Don't forget to factor in closing costs when considering a home sale or purchase. Coldwell Banker United, Realtors is experienced at aiding both buyers and sellers when it comes to closings. E-mail or call us today at (850) 650-4563 if your needs include a professional REALTOR® experienced in the business side of real estate.

Expected closing costs

There are certain normal expenses associated with closing the sale of a house. These expenses are usually divided between the buyer and seller, as noted in the sales contract. Many are conventional, but there are nuances to each, so you'll want a real estate expert in Florida to help guide you through your deal.

Closing costs that are loan-related    (Click here for more information)

  • Points (optional)
  • Appraisal Fee
  • Credit Report
  • Interest Payment
  • Escrow Account

At closing, these taxes are usually collected    (Click here for more information)

  • Property Taxes
  • Transfer Taxes and Recording Fees

Insurance fees due at closing    (Click here for more information)

  • Homeowners Insurance
  • Flood or Quake Insurance (optional)
  • Private Mortgage Insurance (PMI) (optional)
  • Title Insurance

Sellers: As we hammer out your sale, I'll not only work to get the highest sales price, but I'll also advocate for reduced closing costs. And once we've come to an agreement, I'll walk you through the closing costs so you are aware of exactly what you're paying for.

Buyers: If you are buying a home in Walton County, you'll get a "Good Faith Estimate" (GFE) of closing costs within three days of submitting your loan application. The estimate is based on the loan officer's prior experience and is required to be within a tolerable range so you're not surprised when you get to closing time. I'll be glad to look over the GFE with you, answering your questions and highlighting any estimates that seem unusual.

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Providing professional services in the Destin, Florida real estate area with the personal touch. 

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