1. Closing costs are all state regulated
2. HUD based on executed sales agreement, lender specifications you agreed to, and state regulated closing costs
3. Title company should be explaining to you line entries
4. You can do a Google search for all details on HUD
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But as agents have stated earlier most people rely on their agent and the title company.
Unless it is a particularly unusual transaction, a commercial deal, or if the contract isn't a TREC contract the people usually save themselves the expense.
The Michael Group
In my experience it is tough to find one who wants to do this work for a fee.
They normally want bigger work and will drop you if something bigger comes along.
If you have a great realtor they should have been trained in how to use the promulgated contract forms agreed on by the broker-lawyer committee in Texas. While they are fill in the blank forms, the blanks do have meaning.
The title companies are generally run by attorneys and some actually handle the closing. So while they typically make you sign a document saying they did not represent you in the closing, they prepare or oversee the HUD and deed and escrow service. Not always, but in many cases.
If you are buying a FSBO or still think you need legal representation I would think just to look over documents might be $200-$300. To me you really want them looking at the contract before you sign it if you going to go this route.....at closing ...most issues are too late.
Feel free to call me for referrals and we can try to point you in the right direction for your circumstances.