BEST ANSWER
Your purchase contract, date of closing, escrow company, and loan type will determine your fees. So what I'm going to give you is a very rough estimate for Santa Clara County, Santa Clara City - so verify with your agent, lender etc.
If you purchase a home for $400,000 and put 20% down and pay 1% to your lender for points;
$3,200 lender points
$4,500 escrow, title, tax, recording transfer, inspections, home warranty, etc.
$3,100 prepaid reserves for taxes, insurance,
Now if you are financing with FHA , CHAFA, or HomePath loan your fees will be higher. Also, if you purchase in city of San Jose you will split $3.30 per $1000 of city transfer tax with the seller. Then again all fees are negotiable between the parties. Some sellers may offer to credit the buyer for some closing cost.
Summary some of the bullet points of closing cost,
Lender Fees, include points, appraisal, credit check, processing fees, perhaps PMI,
Title and Escrow fees also include the recording, and transfer fees
Property Tax transfer fees are $1.10 per $1000 for Santa Clara county (usually paid by Seller)
Property Tax transfer fees for city of San Jose $3.30 per $1000 split 50/50 by buyer and seller
Home Owners Association Transfer fees paid by Buyer $200 - $500
One Year Home Warranty between $250 and $600
Property Inspections, Termite Inspections, Chimney, Roof, etc. $700 - $1200
Hope this estimate helps.
Tue Jul 28 2009, 22:54