Trulia, Other/Just Looking in San Francisco, CA

Which costs are potentially negotiable in closing costs

Asked by Trulia, San Francisco, CA Sat Mar 3, 2012

Are there negotiable and non-negotiable closing costs?

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Randy Hooker, Agent, Chandler, AZ
Sat Mar 3, 2012
You guys at Trulia must really be bored! Nothing better to do than post 'bait' questions for RE agents and brokers?? Wow...
1 vote
Phil Griffith, Agent, Scottsdale, AZ
Sat Mar 3, 2012
A normal question from a potential buyer. One that most realtors can answer. If you are financing through FHA, you are allowed to ask the seller to pay part of the closing costs. If you are using VA financing, the seller has to pay certain costs. And, as the question posed: which costs are potentially negotiable ....., I suppose you could "potentially" ask the seller to pay all of them. They potentially could refuse, couldn't they. Every sale is different. To be sure, under most circumstances, both buyer and seller pay what we know in the business as "normal" closing costs. Most buyers and sellers pay these, willingly. But, the answer to your question " are they negotiable" yes.
0 votes
Jeff and Jane…, Agent, Scottsdale, AZ
Sat Mar 3, 2012
Your REATOR® fee is recognized as a negotiable fee. Having said that, many of the best agents are finding it hard to negotiate their fees because of the increase in cost of running their business. A big part of this cost is associated to marketing the property. This fee must be negotiated prior to approving the listing agreement and included in the agreement.

At closing there may be items in associated with Title fees that can be waived. (junk fees) The better Title companies do not include these. Check your preliminary closing statement (HUD-1) for any inconsistencies. Your listing agent will typically point any items out to you or go to the Title company and discuss the matter for you so you do not experience the frustration of that experience. We have included a URL below that will talk more about settlement fees that you may find helpful.
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0 votes
Brenda & Ron…, Agent, Mesa, AZ
Sat Mar 3, 2012
During the negotiations when making an offer on a home you can ask for the seller to pay all your closing costs. This includes lender fees, title company fees and HOA fees. You could even ask for them to pay the inspection, but this is not normally what you will see. Also when you are trying to get an offer accepted, keep in mind that the net proceeds to the seller will be less when they are paying your costs and this could cost you the home if there are other offers.

Of course you need to check with your lender on your specific loan to see if they have any restrictions on how much the seller can pay for you.

Best Regards,


Brenda & Ron Cunningham
West USA Realty
**** Recognized in the Phoenix Business Journal as "One of the Top 50 Realtors in the Valley" ****
0 votes
James Wehner, Agent, Scottsdale, AZ
Sat Mar 3, 2012
All costs are negotiable except one instance. The buyer could pay all or none of the seller's closing costs as well as the seller can pay all or none of the buyer's closing costs.

It depends on the situation regarding who pays for what closing costs. The only time it's not negotiable are when it's a VA loan. There are costs that the seller must pay for the buyer, the escrow fee and tax service contract.
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