so that you can maybe save some money on the deal too, correct?
So, it sounds like you are trying to do a Real Estate deal without a Realtor, without an Attorney,
without a Title/Escrow Company,
and you want guidance to do that, correct?
The Open Equity Loan has filed a Lien against the house, correct?
Yep; you are going to need some guidance.
Your utilities and taxes must be paid up to closing or will be deducted from the proceeds.
You must check with your local government office as to what your transfer tax costs will be; I hope you are using a Realtor; he/she should be able to answer these questions in a more detailed fashion.