Sounds like you'd really like an answer. Let's try this:
You ask your REALTOR to refer you to an escrow or title company (depending upon who prepares closing documents in your state)
Generally they include:
PAYOFF CHARGES - FIRST MORTGAGE
Estimate For Termite Report/Completion
Estimate for Home Warranty
Disclosure Source NHD Disclosure
Department of Building & Safety 9A Report
Department of Building & Safety Certificate of Compliance
Owners Title Policy Fee (S) to SELLERS CHOICE
Documentary Transfer Tax
City Transfer Tax
Drawing Grant Deed
Wire fee if any
Total all of all charges:
If the total closing charges exceed the sales price, then the next item will be
Funds required to close (meaning you need to bring a check to the closing table.
If there is a positive number (known as net proceeds), then you receive a check at closing.
The actual amount can be relatively accurately estimated. At the time you consult with a Realtor regarding listing your home for sale you should discuss your estimate of the net proceeds. If he/she does not bring it up, you should.
That's right, it depends, on the commission, the millage rate in your county, the conditions agreed on by the seller's and buyer's side (some costs can be split or taken over by one or the other side of the contract. If you have a Real Estate agent already, he/she should have given you a "Net Sheet" which will give you an idea of the estimated costs. Otherwise, ask for it. One recommendation: In this buyers market a seller's offer to pay x amount towards the buyer's closing costs is an attractive extra for buyers in their decision process.
Coldwell Banker JME Realty, Navarre
Contact title company you will be using and they will provide estimated closing costs.
If you are a buyer in California, a lot would depend on the type of loan you get and the number of points that you are paying for it.