Closing Costs

了解交易成本,以及如何降低它们

SaleCore在2021年3月26日

As a homebuyer, it’s easy to get caught up in the excitement of making plans for your new home. 你已经解释了抵押贷款的支付, 考虑décor和配色方案, 计划好每件家具的摆放位置. But, there are still some very important transaction details you may have overlooked, 比如向买家收取的无数交易费用, 称为结案成本. 这些成本会迅速增加,让你措手不及. Therefore, 了解每项费用涵盖的范围是非常必要的, 如何减少或取消这些费用, 以及你可能需要付多少钱. Closing costs are unavoidable when buying (or refinancing) a home. However, 了解这些成本包括什么, 确保你得到最好的利率, and budgeting for them will make for a smoother closing process.


什么是交割成本?

金属钥匙链,上面印着结帐费用的字样

Closing costs are standard fees collected to pay the various parties involved in processing your loan and transferring ownership of the house to you.

Once you submit your loan application, your lender is required to provide you with a Loan Estimate. 这一估算具有法律约束力,并将概述一切 费用,利率,和任何其他费用结束你的贷款. 仔细检查,如果你有问题, 一定要问问你的贷款人, the title company, 或者你的房地产经纪人 to clarify.

Three business days prior to closing, your lender will provide a Closing Disclosure for final review. 这将显示最初估计的交易费用 and final closing costs, as well as indicating the difference if costs were adjusted. If you see new fees that were not included in the original loan estimate, or notice that your 交易成本要高得多, immediately seek clarification with your lender and/or real estate agent. While these figures might fluctuate by closing day, there shouldn’t 有什么大惊喜吗.

关闭成本是多少?

Concept of man looking at modern art painting of large bags of money

In general, the total closing costs range between 2% to 5% of the home’s purchase price, 并且会随着状态的不同而变化, loan type, 和抵押贷款银行. 有几个因素会影响你的交易成本, and as a result, 购买不同的房子会有所不同吗. It is best to estimate your closing costs at the high end of the range, and 希望你能有多余的钱. There are many fees that make up the final closing costs when buying a home, 其中大部分都落在了买家的头上.

房地产相关的费用

  • Appraisal Fee: It’s important for a lender to know if the property is worth as much as you intend to borrow. 由经认证的人进行评估的平均费用 专业评估师的价格从300美元到400美元不等.
  • Home Inspection: 大多数贷款机构要求房屋检查, 尤其是当你得到政府支持的抵押贷款时, such as an FHA loan. 家检查费用 从300到500美元不等.

Loan-Related Fees

儿童积木在一张木桌上拼写“费用”一词
  • Application Fee: 这是处理新贷款请求的成本, 还包括信用检查费用和行政费用. The application fee varies depending on the lender and the amount of work it takes to process your loan application.
  • Assumption Fee: If the seller has an assumable mortgage and you take over the remaining balance of the loan, 你可能会被收取可变的费用基于 the balance.
  • Attorney Fees: Some states require an attorney to be present at the closing of a real estate purchase. 费用将根据小时数而有所不同 律师为你工作.
  • Prepaid Interest: Most lenders require buyers to pay the interest that accrues on the mortgage between the date of settlement and the first monthly payment, 这取决于你的贷款规模.
  • 贷款发放费用: 也被称为承销费, 三行政事业费或办理事业费, the loan origination fee is a charge by the lender for evaluating 准备你的抵押贷款. This can cover document preparation, notary fees, and the lender’s attorney fees. 预计支付大约0.你借款总额的5%.
  • Discount Points: 通过支付折扣点, 你降低了你在贷款期内支付的利率, 这将导致更有竞争力的抵押贷款利率. However, paying points is worthwhile only if you plan to stay in the home for a long time. 否则,前期成本就不值得了.
  • 抵押贷款经纪人费: 如果你和抵押贷款经纪人一起找贷款, the broker will usually charge a commission as a percentage of the loan amount. The 佣金平均值从0起.5% to 2.房屋购买价格的75%.

抵押贷款保险费用

  • 按揭保险申请费: If you make a down payment of less than 20%, you may have to get private mortgage insurance (PMI). PMI保护贷款人 如果你违约,申请费用因贷款人而异.
  • 预付抵押贷款保险: Some lenders require borrowers to pay the first year’s mortgage insurance premium upfront, 而另一些人则要求一次性付款 涵盖了贷款的期限. 期望从0开始支付.55% to 2.购买抵押贷款保险的25%.
  • 联邦住宅管理局、弗吉尼亚州和美国农业部的费用: 如果你的贷款有联邦住房管理局的保险, you’ll have to pay FHA mortgage insurance premiums; if it’s guaranteed by the 退伍军人事务部或美国.S. 农业部,你得付保修费.

财产税,年费和保险

  • Property Taxes: Buyers typically pay two months’ worth of city and county property taxes at closing.
  • 年度评估: 如果你的公寓或业主协会要求年费, 你可能需要一次性预付.
  • 房主保险费: Usually, your lender requires that you purchase homeowner’s insurance before settlement, 这可以防止财产被破坏, damage, etc. The amount varies depending on where you live and your home’s value.

Title Fees

  • Title Search Fee: A title search is conducted to ensure that the person selling the house actually owns it, 并且没有未决的索赔或留置权 property. Title search fees are about $200, but can vary among title companies by region. 查册费用可能包括在产权保险费用内.
  • 银行的产权保险: 大多数贷款人需要贷款政策. This protects them in case there’s an error in the title search and someone makes a claim of ownership on the 出售后的财产. 保险范围持续到贷款还清为止.
  • 所有者的产权保险: You should also consider purchasing title insurance to protect yourself in case title problems or claims are made on your home after closing. The owner's coverage lasts as long as you or your heirs own the property.

我能减少交易费用吗?

两个人协商合同的概念图

You might be overwhelmed and feel like you can’t afford all of these fees in addition to the down payment, moving expenses, etc. 如果你想减少结案时间 costs, it may take some leg work but it’s possible, especially in a competitive housing market. As a buyer, you can negotiate prices and fees with any party involved in the purchase process to reduce closing fees. In some cases, the seller may be willing to cover some or all of the closing costs to finalize the purchase. You may find you are better off in the long run by investing time before closing to negotiate lowering your costs wherever you can. 此外,考虑以下选择:

  • 研究首次置业计划: 这些项目专门服务于首次购房者, 特别是中低收入的买家. 首次购房 有谁在过去三年里没有拥有自己的房子吗. So, 即使你以前有房子, you might still qualify for one of these programs as long as you have not owned a home recently.
  • Use Monetary Gifts: Homebuyers can also use monetary gifts from friends and family to pay for closing costs. 询问你的贷款人关于礼品信的要求和限制 on amounts.
  • Shop Around: There are significant savings when you compare fees from lender to lender, 并找到最具竞争力的价格. 这也适用于第三方服务,如 作为房主保险和产权公司.
  • 计划月底关闭: A closing date near or at the end of the month helps cut down on prepaid daily interest charges.
  • 向卖方求助: You might be able to get a seller to either lower the purchase price or cover a portion of your closing costs. 这更有可能是 seller is motivated, or the home has been on the market for a long time with few offers.
  • 谈判Loan-Specific费用: If you notice duplication or suspect a lender has added unnecessary fees, known as “junk fees,” to your loan, 一定要让贷款人 取消或减少这些费用.
  • 将交割成本计入抵押贷款: The most cost-effective way to cover your closing costs is to pay them out-of-pocket as a one-time expense. 然而,如果不是这样的话 an option, 你可以通过贷款的方式为他们提供资金, but you’ll pay interest on those costs through the life of the mortgage. 因此,这只能作为最后的手段.
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