Don't forget to factor in closing costs when considering a home sale or purchase. Homes with Heart USA, Inc. is seasoned at aiding both buyers and sellers when it comes to closings. E-mail or call us today at (704) 953-2228 if your needs include a professional REALTOR® ready for the business side of buying and selling.

Expected closing costs

There are certain standard expenses associated with closing the sale of a house. These fees are commonly divided between the buyer and seller, as instructed in the sales contract. Many are customary, but there are nuances to each, so you'll want a real estate expert in North Carolina to help guide you through your transaction.

Costs pertaining to your mortgage to be paid at closing    (Learn more)

  • Points (optional)
  • Appraisal Fee
  • Credit Report
  • Interest Payment
  • Escrow Account

At closing, these taxes are usually paid    (Learn more)

  • Property Taxes
  • Transfer Taxes and Recording Fees

Insurance fees due at closing    (Learn more)

  • Homeowners Insurance
  • Flood or Quake Insurance (optional)
  • Private Mortgage Insurance (PMI) (optional)
  • Title Insurance

Sellers: As we hammer out your sale, I'll not only work to get the highest sales price, but I'll also campaign for reduced closing costs. And once we've arrived at an agreement, I'll walk you through the closing costs so you know exactly where your money is going.

Buyers: If you're buying a home in Mecklenburg County, you'll get a "Good Faith Estimate" (GFE) of closing costs within three days of submitting your loan application. The estimate is based on the loan officer's previous experience and is required to be within an appropriate range so you're not surprised when you reach the closing appointment. I'll be glad to go through the GFE with you, answering your questions and highlighting any estimates that seem unusual.

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