Seller


  • Title Company Closing Fee
  • State Transfer Tax on Sale (aka Deed Doc Stamps)
  • Owner's Title Insurance
  • Title Search
  • Municipal Lien Search
  • HOA Estoppel Fee
  • All Realtor commissions
  • Transaction Fee to Seller's Realtor (if app.)

Buyer


  • Title Company Closing Fee
  • Lender's Title Insurance (unless transaction is Cash)
  • HOA Transfer Fee (if app.)
  • Survey Fee
  • State Taxes on Mortgage (unless Cash)
  • Recording Charge on Mortgage (unless Cash)
  • All other Mtg-related costs (unless Cash)




Page 3 of the sales contract holds the answers, but here is a typical overview:

Who pays for what?