Private Mortgage Insurance (PMI) or upfront government funding fees (FHA/VA).

Homeowners insurance (often one year in advance), prorated property taxes, and escrow reserves. Due Diligence: Home inspection and appraisal fees.

While specifics vary by state and local custom, the typical responsibilities include: Usually pay 2%–6% of the loan amount.

Often pay 5%–10% of the sale price, though most of this is deducted from their sale proceeds.

Owner's title insurance (to protect the buyer) and HOA transfer fees. Can These Costs Be Negotiated? Common Closing Costs for Buyers

Traditionally covering both the listing and buyer's agent fees. Taxes: Government transfer taxes and recording fees.