Good Example of 270k conventional loan:
Underwriting $799(This varies from $0 - $1,995 depending on the lender), appraisal $400-500, Credit report $21.50, Misc 3rd party lender fees $100, escrow/Title $1,900, prepaid expenses (Taxes, ins, interest) $2,100. Other cost can include septic cert, roof cert, Home warranty, Pest inspection, home inspection.
C2 Financial Corp.
NMLS 279056, BRE 01438387
Who pays which costs tend to dfffier a bit by location. In San Diego, the seller pays agent fees, title fees, transfer, half of escorw, and hoa documents if need.
Buyers usually pay all costs related to obtaininng a mortgage, the cost of an appraisal and inspections.