It varies from state to state, and even area to area. In North Florida, ALL closing costs are associated with getting financing, in other words, no cost at all. If it is a foreclosure home, there can be a slight cost.

You'll have a settlement fee ($150-250) from the title company. Even though you aren't REQUIRED to have title insurance if you pay cash I would definitely recommend it. If this is a foreclosure, most sellers will pay for an owner's policy if you request it in the contract. In some counties of TN it is "customary" for the seller to pay for an owner's policy.

There will also be recording fees & possibly transfer taxes. Different counties/cities do things differently. If you already have a title company picked out they can give you a pretty close estimate.

Geri,
The real estate agent will be able to give you a good idea. Typically you will only have to pay for escrow fees based on the purchase price. Usually the seller is responsible for commissions. If there is no loan then you don't have to buy title insurance. Hope this helps.

Geri,

Your agent should be able to provide you with this information.