
	Don't forget to factor in closing costs when considering a home sale or purchase. Mia Howe Realty is seasoned at helping both buyers and sellers when it comes to closings. E-mail or call us today at 305-745-1199 if your needs include a real estate pro experienced in the business side of buying and selling.

What closing costs should you expect?

There are certain expected expenses accompanying closing the sale of a house. These expenses are usually divided between the buyer and seller, as noted in the sales contract. Many are conventional, but there are nuances to each, so you'll want a real estate expert in Florida to help guide you through the process.

Closing costs that are loan-related (Click here for details)

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

At closing, these taxes are usually paid (Click here for details)

Property Taxes
Transfer Taxes and Recording Fees

Insurance fees due at closing (Click here for details)

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

Sellers: As we negotiate your sale, I'll not only work to get the optimal sales price, but I'll also campaign for lower closing costs. And once we've arrived at an agreement, I'll give a detailed list of the closing costs so you know exactly what you're paying for.

Buyers: When purchasing real estate in Monroe 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 past experiences and is required to be within an appropriate range so you're not surprised when you reach the closing appointment. I'll be willing to go over the GFE with you, answering your questions and highlighting any estimates that seem unusual.