Buyer’s Closing Cost
뉴저지에서 부동산 매매 시 Buyer가 납부해야 할 부대 비용 내역
| Category | Single Family / 2-4 Family | Condo/Townhouse | ||||||||||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Attorney Fee | $1,000~$1,500 | $1,000~$1,500 | ||||||||||||||||||||||||
| Inspection | $500~$900 (Home, Termite, Radon) $250~$300 (Oil Tank Sweep) $250~$300 (Sewer Inspection) | $300~$600 (Home) | ||||||||||||||||||||||||
| Appraisal | $450~$700 | $450~$700 | ||||||||||||||||||||||||
| Recording | About $150 for New Owner About $250 for Mortgage | About $150 for New Owner About $250 for Mortgage | ||||||||||||||||||||||||
| Survey | $700~$1,000 (When requested by lender) | N/A | ||||||||||||||||||||||||
| Condo Fees | N/A | Capital Contribution: 2 to 4 Months of HOA Move in Fee: $300~$600 Refundable Deposit: $500~$1,000 Condo Package Fee: $150~$450 | ||||||||||||||||||||||||
| Title Search | $1,000~$1,600 | $1,200~$1,600 | ||||||||||||||||||||||||
| Title Insurance |
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| Mortgage Fees | Application Fee, Underwriter Fee, PMI, Points, Prepaid Interest | Application Fee, Underwriter Fee, PMI, Points, Prepaid Interest | ||||||||||||||||||||||||
| Property Tax | About 6~7 Months – Pro-rate Current Quarter – 3 Months: Prepay Next Quarter – 2~3 Months in Escrow | About 6~7 Months – Pro-rate Current Quarter – 3 Months: Prepay Next Quarter – 2~3 Months in Escrow | ||||||||||||||||||||||||
| Home Insurance | Home Insurance | Condo Insurance, (Master Insurance) | ||||||||||||||||||||||||
| Other Fees | FedEx, POA, Wire Transfer Fee, etc. | FedEx, POA, Wire Transfer Fee, etc. | ||||||||||||||||||||||||
Seller’s Closing Cost
뉴저지에서 부동산 매매 시 Seller가 납부해야 할 부대 비용 내역
| Category | Description | ||||||||||||||||||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Attorney Fee | $1,000~$1,500 | ||||||||||||||||||||||||||||||||
| Broker Fee | 4%~6% | ||||||||||||||||||||||||||||||||
| Title Related Fee | $100~$300 | ||||||||||||||||||||||||||||||||
| CCO Fee | Depends on the town, usually $50~$150 | ||||||||||||||||||||||||||||||||
| Seller’s Credit | Based on the buyer’s inspection claim | ||||||||||||||||||||||||||||||||
| Seller’s Concession | Seller Agreeing – a buyer to get an extra mortgage for closing cost up to 5% | ||||||||||||||||||||||||||||||||
| Adjustments | Adjusting unpaid or prepaid – Property Tax, Insurance, HOA fee (Condo) | ||||||||||||||||||||||||||||||||
| Other Fees | FedEx, Wire Transfer Fee, Power of Attorney, etc. | ||||||||||||||||||||||||||||||||
| Realty Transfer Fee | General Seller | Senior over 62, Blind Person, Disabled Person | |||||||||||||||||||||||||||||||
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