Same down here Peter.

Whoever chooses title pays title insurance. Custom is buyer pays closing costs with the exception of Documentary Stamp tax.

In Atlanta seller pays for his closing cost and buyer will pay heir closing cost.

Buyer                                     Seller

Escrow Fees                         Escrow Fees

                                                Title Fees

Loan Fees                              Brokerage Fees

                                                County Transfer Tax & Retrofit Fees 

Inspection Fees                    HOA Doc & Transfer Fees (when applicable).

I don't know of any mortgage lender who will lend anywhere without title insurance. In NC and SC it's a buyer's closing cost. Stamp tax  (sales tax) is always a seller cost here unless it's new construction when the buyer typically pays it. As for other closing costs, first we negotiate an amount for them (if any) and the settlement attorney simply applies buyer closing costs and prepaids against that number until they "run out of allowance."

Seller pays transfer tax, doc tax, and title preperation. Everything else is buyer.

I don't suggest to my clients to have closing costs spelled out in the offers. Like putting a "trade" in a car deal, just makes it messy. 

We have it in IL also. Average closing costs in IL is $1900. Bankrate does a survey every year by state if anyone cares.

Negotiable

In my area, almost everything falls to the buyer (appraisal, title, inspection, etc). The seller's costs are minimal - commission, mortgage payoff, state transfer taxes and that's pretty much it.

In Texas the buyer normally pays all of the lender fees, escrow fees for taxes and insurance and survey.  The seller normally pays for Realtor fees & title policy.  It's neat to hear about how different states handle things differently.  Thanks for sharing this one!

Everything is negotiable.

The norm is that sellers pay part if not all of the closing costs. As a seller agent, it is my job to keep this to a minimum.

Buyer pays their own title insurance, buyer pays the doc stamp fee, and seller pays for their owner's title insurance. 

Good morning Peter. I do mortgages in 8 states, all are a little different when it comes to closing costs and market conditions.

Florida is unique when it comes to title insurance.

The norm in most of Florida is the Seller pays for the Doc Stamps and the Owner's Title policy, and the Buyer pays for all costs assosicated with securing the mortgage.  

Closing cost in the local Austin market are generally paid by the buyer except for the Owner's Title policy. W also price loans where the lender will pay all of the costs.

I had a lawyer as a client and she went after the escrow for charging the seller (a builder) a cheaper fee. The escrow got a fine for transferring some of the sellers cost to the buyer. 

Colorado is a state where seller chooses title company, so they pay for the title policy as negotiated in the purchase contract.  Buyer is respnosible to split the closing fee from the title company and pay for the lenders title policy.  All items are negotiated by buyers and listing agents, so things can change on a case by case basis.  

Daniel Dixon - The Dixon Group

www.MetroDenverLiving.com

#DixonSoldit

It's negotiable here as it should be. I don't believe in customary being a law.

In our market the sellers almost always pay doc stamps.  The rest is all negotiable.  In my county, it's usually the buyers who pay for the title, while it's the opposite on the counties to either side.

Escrow costs - each pay own.  Seller usually provides a level of title insurance and the home warranty.

Our norm is the same as Thomas J. Nelson, Realtor here on Kauai.

In WI, seller buys owners title policy, buyer buys lender policy.  Seller pays tax on sale, buyer pays to record deed.  Closing fee is built into title policy so seller pays.  Seller pays deed prep fee.

Here in NH the buyer and seller split transfer tax 50/50.  The buyer pays their own title search and insurance unless they ask for concessions 

In our area it's driven by price point . Under $300,000, buyer agents ask for 3% seller assist typically .

the seller always pays tax stamps here....and the buyer is responsible for the title insurance required by the bank....and he will pay for his own policy if he's intelligent enough to buy it...

Practices vary from county to county, as well as state to state!

In our market typically the seller pays the title insurance other closing cost are split.