Best advice is to contact the title company who is handleing your home. There are taxes, water/ sewer bills that are all paid quarterly so that money has to be reimbursed to the seller, depending on the settlement date.
Additionally, while not closing costs, per se, you may be responsible for escrowed taxes and insurance for the mortgage company, municipal taxes (prepaid by the seller and or for the coming quarter), title insurance. You may also pay for oil left in the tank if applicable! These things add up. Make sure you will have cash to cover it!! Ask an agent for sample HUD-1's aka closing statements for your town.
As the buyer, items you may have to pay include:
mortgage application and commitment fees, home owner's insurance, title search fees, attorney's fees, recording and transfer fees, appraisal, survey.
The nature and cost of these fees will vary by lender.
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