Professional Realtor 
​Monique Holston-Greene 
Coldwell Banker       
 19026 Bruce B. Downs Blvd. 
 Tampa, Florida 33647           
 Office: 813-922-5993             
 Cell: 917-807-2639               
 Fax: 813-971-3352              
​ Email:AskMonique@MoniqueSellsTampa.com

CUSTOMARY SELLER EXPENSES ​​​​​Title search and closing fee*
Owner’s title insurance policy if applicable as per the sales contract
Process satisfaction of mortgage for existing mortgage
Documentary stamps on deed ( $.70 per $100 based on sales price )
Home Warranty if applicable
Taxes prorated to the day of closing
Real Estate Commission

CUSTOMARY BUYER EXPENSES
​Title search and closing fee*
Owner’s title insurance policy if applicable as per the sales contract
Lender title insurance policy
Endorsements to the lenders policy if applicable
Recording fee for the warranty deed
Recording fee for the mortgage 
Documentary stamps on deed ( $.35 per $100 based on mortgage amount )
Intangible tax on the mortgage ( $.002 x the mortgage amount )
Assignment of the mortgage if applicable
Survey of the subject property if applicable
Termite inspection if applicable
Condominium approval fees and dues if applicable
HOA dues and transfer fee if applicable
Home Inspection fees
First Year homeowner’s insurance and flood insurance if applicable
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Lender fees which may include but are not limited to loan origination fees, points, appraisal fee, credit report fee, tax service fee, underwriting fee, document preparation fee, flood certification fee, prepaid interest, PMI and the establishment of an escrow account. 
​( check with your lender on these and any other cost lender may require)

The Closing 

Closing:
A closing is defined as "a meeting of all parties involved in a property transaction during which pertinent documents are signed and transferred, and funds are distributed." Typically, it is handled by closing agent, either a title insurance company or an attorney, and will last approximately 45 to 60 minutes.

Title Insurance: 
Insurance against loss or damage resulting from defects or failure of title to a particular parcel of real property. It is your only protection against things such as unpaid taxes and liens, judgments against seller, fraud or forgery on deeds and wills, missing heirs, transfer by a minor, or other issues that might go undetected until after closing, which could jeopardize your ownership and investment.  An Owner’s title insurance policy will protect and defend your investment if any title claims covered by your policy are made against your property at no additional cost to you.

What Does It Cost?  
The cost varies because it is based on the purchase price. It is a one time fee regulated by the State and is paid at the closing. Although you only pay once, the protection lasts as long as you or your heirs retain an interest in the property.  There are two types of title insurance policies; The Owners Policy protects the buyer up to the purchase price; The Lenders Policy protects the lenders interest in the property, if there is a new loan.

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