Don't forget to factor in closing costs when considering a home sale or purchase. Stoltz Realty Associates is experienced at aiding both buyers and sellers when it comes to closings. E-mail or call me today at (814) 371-2100 if your needs include a professional REALTOR® ready for the business side of buying and selling.


What closing costs should you expect?

There are certain normal fees accompanying closing the sale of a house. These expenses are usually split between the buyer and seller, as spelled out in the sales contract. Many are customary, but there are nuances to each, so you'll want a real estate expert in Pennsylvania to help direct you through your process.

Costs pertaining to your mortgage to be paid at closing    (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 negotiate your deal, I'll not only work to get the highest sales price, but I'll also advocate for lower closing costs. And once we've reached an agreement, I'll walk you through the closing costs so you know exactly what you're paying for.

Buyers: If you are purchasing real estate in Clearfield County, you will receive 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 past experiences and is required to be within a reasonable range so you're not astonished when you arrive at the closing table. I'll be willing to review the GFE with you, answering your questions and highlighting any estimates of concern.

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