Closing costs vary based on a number of factors — including the lender, mortgage type, purchase contract, and location — but they usually include the following:
- Lender fees. Your mortgage company may charge for expenses related to making the loan, including an appraisal fee, a credit report fee, origination points, and discount points.
- Third party fees. Charges for services not provided by your lender often include the settlement fee, title insurance, and attorney’s fees.
- Prepaid items. Certain mortgage costs must be paid to your lender in advance. The most common of these are pre-paid interest, hazard insurance, and deposits to set up an escrow account.
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