You know your situation, call a mortgage broker, find a program that works for you, and have a Good Faith Estimate drawn up. That will help you very much with what you need to know.
You bring up a very good question, but it can be too subjective to quote a NUMBER.... I am sure you will receive some responses from mortgage professionals who might be able to give you a ballpark number, but I will start with some basic information......
When you discuss "closing costs", there are some items that will not differ based on sale price. Some of these items are: attorney fees, loan application fee, appraisal etc. Your lender will give you an idea of what the FIXED fees are.
There are some items that WILL vary based on sale price, however. For instance, if you decide to pay points to reduce your mortgage rate, each point will cost 1% of the sale price...based on a sale price of $365,000, one point will cost you $3,650. Speaking of mortgage rates, your payments can and will vary based on the rate you obtain. Again, speak to your lender.
Also, the "assessed" value of a home (not to be confused with the "appraised" amount), when multiplied by the town's tax rate (Shrewsbury is currently $10.31 per thousand) will give your real estate tax amount. You will most likely be required to PRE-PAY your real estate taxes at closing so plan accordingly.
I hope this helps!
RE/MAX Signature Properties
Check with your loan officer, they are supposed to give you a good faith estimate that states what your approximate closing costs will be. it is required by law.
good luck with your purchase..
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