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Estimating Closing Costs

A Guide to Closing Costs in Alameda County

Buyer Generally Pays For

  • Title insurance policy premiums
  • Escrow fee
  • Notary fee
  • Property tax proration (from date of acquisition)
  • Special delivery/courier fees
  • Document recording charges
  • Homeowners’ association transfer fee and prorata dues
  • City costs
  • Home Warranty according to contract
  • Inspection fees according to contract (termite, roof, property, geological, etc.)
  • Matters of record against the buyer (tax liens, judgements, etc.) and fees required to clear them
  • Fire insurance premium for first year
  • Assumption/change of record fee, for takeover of existing loan
  • Lender’s new loan charges
  • Interest on new loan from date of funding to 30 days prior to first payment date
  • Other prorations (rents’ insurance, etc.) if applicable
 Seller Generally Pays For

  • Real Estate Commission
  • Document transfer tax ($1.10 per $1,000 of sales price)
  • Notary fees
  • Property tax proration (to date of acquisition)
  • Special delivery/courier fees, if required
  • Document preparation fees
  • Document recording charges
  • Homeowners’ association statement fee and prorata dues
  • City costs
  • Home Warranty according to contract
  • Work/repairs required according to contract
  • Matters of record against the property or seller (loans, tax liens, judgements, etc.) and fees required to clear them (statement fees, reconveyance/trustee fees and prepayment penalties)
  • Bonds and assessments according to contract