{"id":6004,"date":"2024-09-12T05:30:00","date_gmt":"2024-09-12T10:30:00","guid":{"rendered":"https:\/\/nwiloanguy.com\/blog\/what-to-know-about-closing-costs\/"},"modified":"2024-09-12T05:30:00","modified_gmt":"2024-09-12T10:30:00","slug":"what-to-know-about-closing-costs","status":"publish","type":"post","link":"https:\/\/nwiloanguy.com\/blog\/what-to-know-about-closing-costs\/","title":{"rendered":"What To Know About Closing Costs"},"content":{"rendered":"<p><img data-recalc-dims=\"1\" decoding=\"async\"  src=\"https:\/\/i0.wp.com\/files.keepingcurrentmatters.com\/KeepingCurrentMatters\/content\/images\/20240911\/20240912-what-to-know-about-closing-costs-original.png?ssl=1\" alt=\"What To Know About Closing Costs Simplifying The Market\" loading=\"lazy\" style=\"margin-bottom: 5px;clear: both;max-width: 100%\" \/><\/p>\n<p>Now that you\u2019ve decided to <a href=\"https:\/\/www.simplifyingthemarket.com\/2024\/08\/23\/how-growing-inventory-benefits-todays-buyers-infographic\/?a=375140-ca8522ad04357da9549c08492a932f70\" rel=\"noopener noreferrer\" target=\"_blank\">buy a home<\/a> and are ready to make it happen, it\u2019s a good idea to plan ahead for the costs that are a typical part of the homebuying process. And while your <a href=\"https:\/\/www.simplifyingthemarket.com\/2024\/08\/22\/todays-biggest-housing-market-myths\/?a=375140-ca8522ad04357da9549c08492a932f70\" rel=\"noopener noreferrer\" target=\"_blank\">down payment<\/a> is probably the number one expense on your mind, don&#8217;t forget about closing costs. Here\u2019s what you need to know.<\/p>\n<h4><strong>What Are Closing Costs?<\/strong><\/h4>\n<p>Simply put, your closing costs are the additional fees and payments you have to make at closing. And while they\u2019ll vary based on the price of the home and how it\u2019s being financed, every buyer has these, so they shouldn\u2019t be a surprise. It\u2019s just that some people forget to budget for them. According to&nbsp;<a href=\"https:\/\/myhome.freddiemac.com\/blog\/homebuying\/what-are-closing-costs-and-how-much-will-i-pay\" rel=\"noopener noreferrer\" target=\"_blank\"><em>Freddie Mac<\/em><\/a>, this part of the homebuying process typically includes:&nbsp;<\/p>\n<ul>\n<li>Application fees<\/li>\n<li>Credit report fees<\/li>\n<li>Loan origination fees<\/li>\n<li>Appraisal fees<\/li>\n<li>Home inspection fees<\/li>\n<li>Title insurance<\/li>\n<li>Homeowners insurance<\/li>\n<li>Survey fees<\/li>\n<li>Attorney fees<\/li>\n<\/ul>\n<p>&nbsp;Some of these are one-time <a href=\"https:\/\/www.simplifyingthemarket.com\/2024\/06\/11\/savings-strategies-every-first-time-homebuyer-needs-to-know\/?a=375140-ca8522ad04357da9549c08492a932f70\" rel=\"noopener noreferrer\" target=\"_blank\">expenses<\/a> that are baked into your closing costs. Others, like homeowners\u2019 insurance, are initial installment payments for ongoing responsibilities you\u2019ll have once you take possession of the home.<\/p>\n<h4><strong>How Much Are Closing Costs?<\/strong>&nbsp;<\/h4>\n<p>The same <em>Freddie Mac<\/em>&nbsp;<a href=\"https:\/\/myhome.freddiemac.com\/blog\/homebuying\/what-are-closing-costs-and-how-much-will-i-pay\" rel=\"noopener noreferrer\" target=\"_blank\">article<\/a>&nbsp;goes on to say:&nbsp;<\/p>\n<blockquote><p><em>\u201cClosing costs vary greatly depending on your location and the price of your home. Typically, <\/em><strong><em>you should be prepared to pay between 2% and 5% of the home purchase price in closing fees.\u201d<\/em><\/strong><\/p><\/blockquote>\n<p>With that in mind, here\u2019s how you can get an idea of what you\u2019ll need to budget. Let\u2019s say you find a home you want to purchase at today\u2019s&nbsp;<a href=\"https:\/\/www.nar.realtor\/newsroom\/existing-home-sales-vaulted-9-5-in-february-largest-monthly-increase-in-a-year\" rel=\"noopener noreferrer\" target=\"_blank\">median<\/a>&nbsp;price of $422,600. Based on the 2-5%&nbsp;<em>Freddie Mac<\/em>&nbsp;estimate, your closing fees could be between roughly $8,452 and $21,130.<\/p>\n<p>&nbsp;But keep in mind, if you\u2019re in the market for a home above or below this price range, your numbers will be higher or lower.<\/p>\n<h4><strong>Tips To Reduce Your Closing Costs<\/strong><\/h4>\n<p>If you\u2019re wondering if there\u2019s any way to inch that down a little bit, <em>NerdWallet<\/em> lists a few things that could help:&nbsp;<\/p>\n<ul>\n<li><strong>Negotiate with the Seller:<\/strong> Some sellers are willing to cover part or all of these expenses \u2014 especially since homes are staying on the market a bit longer now. Sellers may be more motivated to compromise, and you\u2019ll find you have a bit more negotiation power. So don\u2019t hesitate to ask them for <a href=\"https:\/\/www.simplifyingthemarket.com\/2024\/08\/06\/helpful-negotiation-tactics-for-todays-housing-market\/?a=375140-ca8522ad04357da9549c08492a932f70\" rel=\"noopener noreferrer\" target=\"_blank\">concessions<\/a> like paying for the home inspection or giving you a credit toward closing costs.<\/li>\n<li><strong>Shop Around for Home Insurance:<\/strong> Since rising <a href=\"https:\/\/www.simplifyingthemarket.com\/2024\/05\/28\/how-do-climate-risks-affect-your-next-home\/?a=375140-ca8522ad04357da9549c08492a932f70\" rel=\"noopener noreferrer\" target=\"_blank\">home insurance<\/a> is a challenge in many areas of the country right now, take the time to get a clear picture of all your options. Each insurance company offers their own policies and coverage, so get multiple quotes and see how they compare. Choosing a policy that provides reliable coverage at a competitive rate can make a difference.<\/li>\n<li><strong>Look into Closing Cost Assistance:<\/strong> Just like there are programs out there to help with your down payment, options exist to get support with closing costs too. While they\u2019ll vary by area, there are programs for various income levels, certain professions, and specific towns or neighborhoods too. If you want to learn more, <em>Experian<\/em> says:<\/li>\n<\/ul>\n<blockquote><p><em>\u201cYour real estate professional should be able to steer you toward applicable programs, and the U.S. Department of Housing and Urban Development (HUD) maintains a <\/em><a href=\"https:\/\/www.hud.gov\/buying\/localbuying\" rel=\"noopener noreferrer\" target=\"_blank\"><em>helpful resource<\/em><\/a><em> for finding homebuying assistance programs in every state.\u201d<\/em><\/p><\/blockquote>\n<h3>Bottom Line<\/h3>\n<p>Planning for the fees and payments you&#8217;ll need to cover when you&#8217;re closing on your&nbsp;home&nbsp;is important \u2013 and it doesn\u2019t have to be a big surprise. For more tips and expert advice, partner with a team of trusted <a href=\"https:\/\/www.simplifyingthemarket.com\/2024\/08\/20\/how-to-choose-a-great-local-real-estate-agent\/?a=375140-ca8522ad04357da9549c08492a932f70\" rel=\"noopener noreferrer\" target=\"_blank\">real estate professionals<\/a>, including a trusted agent and lender.<\/p>\n<p>Source: New feed<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Now that you\u2019ve decided to buy a home and are ready to make it happen, it\u2019s a good idea to plan ahead for the costs that are a typical part of the homebuying process. And while your down payment is probably the number one expense on your mind, don&#8217;t forget about closing costs. Here\u2019s what [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":6005,"comment_status":"false","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"rop_custom_images_group":[],"rop_custom_messages_group":[],"rop_publish_now":"initial","rop_publish_now_accounts":{"facebook_10157519356927224_105287467588662":"","twitter_15771620_15771620":""},"rop_publish_now_history":[],"rop_publish_now_status":"pending","_exactmetrics_skip_tracking":false,"_exactmetrics_sitenote_active":false,"_exactmetrics_sitenote_note":"","_exactmetrics_sitenote_category":0,"_genesis_hide_title":false,"_genesis_hide_breadcrumbs":false,"_genesis_hide_singular_image":false,"_genesis_hide_footer_widgets":false,"_genesis_custom_body_class":"","_genesis_custom_post_class":"","_genesis_layout":"","jetpack_post_was_ever_published":false,"_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_publicize_message":"","jetpack_publicize_feature_enabled":true,"jetpack_social_post_already_shared":true,"jetpack_social_options":{"image_generator_settings":{"template":"highway","default_image_id":0,"font":"","enabled":false},"version":2}},"categories":[1],"tags":[54],"class_list":{"0":"post-6004","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-local-info","8":"tag-100-financing","9":"entry"},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>What To Know About Closing Costs&#8212;NWI Loan Guy Blog<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/nwiloanguy.com\/blog\/what-to-know-about-closing-costs\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"What To Know About Closing Costs&#8212;NWI Loan Guy Blog\" \/>\n<meta property=\"og:description\" content=\"Now that you\u2019ve decided to buy a home and are ready to make it happen, it\u2019s a good idea to plan ahead for the costs that are a typical part of the homebuying process. 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