클로징 추정 비용
BUYER'S APPROXIMATE CLOSING COSTS
| Legal and Title Costs | ||||
| 1. | Attorney Fee | $750.00 | to | $1,100.00 |
| 2. | Survey (Condo $150 to $250) | $450.00 | to | $800.00 |
| 3. | Recording Fees with Mortgage & Deed | $200.00 | to | $300.00 |
| 4. | Title Searches / Title Policy Endorsements | $250.00 | to | $500.00 |
| 5. | Title Insurance Premium | See schedule--NJ Rates for Title Insurance; NY rates vary by county. ask your attorney. |
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| Mortgage Costs | ||||
| 6. | Application Fee | $300.00 | to | $600.00 |
| 7. | Appraisal | $300.00 | to | $500.00 |
| 8. | Miscellaneous Mortgage Costs | $100.00 | to | $600.00 |
| 9. | PMI (Private Mortgage Insurance) Often required if mortgage is more than 80% of purchase price |
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| 10. | Points Fee paid to lender to "buy-down" interest rate on mortgage One point equals 1% of the mortgage (1 point on a $100,000 mortgage equals $1,000) |
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| Inspection Costs | ||||
| 11. | Home Inspection | $300.00 | to | $650.00 |
| Radon Inspection | $60.00 | to | $300.00 | |
| Wood Destroying Insect Inspection / Certification |
$60.00 | to | $150.00 | |
| Septic Inspection (if applicable) | $450.00 | to | $750.00 | |
| Oil Tank Inspection (if applicable) | $395.00 | to | $500.00 | |
| Other Inspections | $_______ | to | $_______ | |
| Other Costs | ||||
| 12. | Homeowner's Insurance one year prepaid premium |
$400.00 | to | $900.00 |
| 13. | Coldwell Banker Home Protection Plan | $424.00 | to | $700.00 |
| 14. | Flood Insurance (if applicable) | $750.00 | to | $2,000.00 |
| 15. | Prepaid Tax Adjustment | $_______ | to | $_______ |
| 16. | Mansion Tax on Residential Properties | 1% of Consideration when Sales Price is Over $1,000,000 | ||
SELLER'S APPROXIMATE CLOSING COSTS
| 1. | Legal Costs | $600.00 to $900.00 |
| (Varies, depending on attorney and complexity of transaction) | ||
| 2. | Liens | |
| a. Mortgage | _______________ | |
| b. Mortgage Cancellation Fee | $40.00 to $75.00 | |
| c. Other Liens | _______________ | |
| _______________ | ||
| 3. | Realty Transfer Tax | For NJ, see Quick Reference Guide. |
| (Fee determined by selling price of property.) | For NY: When consideration exceeds $500, the tax is $2.00 for each $500 or fractional part thereof; provided, however, that with respect to (a) a conveyance of a one, two or three-family house and an individual residential condominium unit, or interests therein; and (b) conveyances where the consideration is less than $500,000, the consideration for the interest conveyed shall exclude the value of any lien or encumbrance remaining thereon at the time of conveyances. In addition, if consideration on conveyance of residential real property exceeds $1,000,000, an additional tax of 1% is imposed, on that portion of the conveyance attributable to residential real property. | |
| 4. | Adjustments | |
| (Either a credit or charge to adjust for payments made prior to or beyond the closing date) | ||
| a. Tax | _______________ | |
| b. Water/Sewer | _______________ | |
| c. Oil in tank | _______________ | |
| d. Home Owner's Association Fees | _______________ | |
| 5. | Certificate of Occupancy | $40.00 to $50.00 |
| (If applicable) | ||
| 6. | Smoke Detector Certificate | $25.00 to $50.00 |
| (Not applicable in NY) | ||
| 7. | Carbon Monoxide Certificate | $25.00 to $75.00 |
| (Not applicable in NY) | ||
| 8. | Real Estate Commission | _______________ |
| 9. | NJ: Non-Resident Income Tax | Estimated taxes are paid when deed is recoreded. |
| (Exemption apply: consult your attorney for details.) | Minimum amount is 2% of sales price. | |
*위 가격들은 '06년의 일반적인 클로징 비용을 추정한 내용입니다. 실제 클로징 비용은 상황에 따라 다르므로 고객님의 변호사와 반드시 상의하시기 바랍니다.
