Your Closing Costs

There are certain standard costs associated with closing the sale of a home. Buyers and sellers usually share these costs, as specified in the real estate sales contract.

Many of the closing costs associated with buying a home are associated with getting the loan. Since Affirm Home Loans has extensive experience with closings & mortgages, we are closing cost experts.

Loan Estimate (Also known as the LE)

Buyers get a "Loan Estimate" of closing costs around the time the loan application is submitted to the lender. The closing cost estimate is based on the loan officer's past experience. It's important to note that while our LEs are very precise, we cannot always predict costs to the penny. We answer buyers' questions about closing costs every day at Affirm Home Loans, so please be sure to contact us if we can help answer your questions.

We've provided a general list of these costs below, but we'll provide you a specific list of closing costs, with amounts, soon after you complete your loan application. At Affirm Home Loans, we don't believe in surprises, so if your costs change, we'll be sure to let you know immediately.

Standard Closing Costs

Loan-Related Costs
  • Points — lower your mortgage interest rate (optional)
  • Appraisal Fee
  • Credit Report
  • Up-front Interest Payment
  • Escrow Fees
  • Various Taxes
  • Loan Origination Fee
Property Taxes
  • Insurance
  • Transfer Taxes and Recording Fees
Homeowners Insurance
  • Private Mortgage Insurance (PMI)
  • Title Insurance
  • Flood / Quake Insurance

At Affirm Home Loans, we answer questions about closing costs every day. Give us a call at (972) 292-0448.

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