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This is a Guide to Customary Closing Costs In Alameda and Contra Costa County. Please note each area will have it's own guide-lines and may be different. Here is a guide for all of California who pays what - Broken down by county

Please remember, "everything is negotiable" and
things may be different in your purchase contract.

Buyers typically pay these closing costs.

* Escrow fee (ask Title Co for quote).
* Owner's Insurance Premiums CLTA (ask Title Co for quote).
* Lender'sTitle Policy Premiums ALTA (ask Title Co for quote).
* Document Preparation (ask Title Co for quote).
* Notary Fees.
* Homeowner's Assoiciation Transfer Fee & Paperwork (if any).
* Tax proration (from date of acquisition).
* Recording Charges for all documents in Buyer's names.
* Fire Insurance Premium for first year.
* Home Warranty (according to contract).
* Inspection Fees roofing, property inspection & geological.
* 50% of City Transfer/Conveyance Tax (according to contract)
* Beneficiary statement fee for assumption of existing loan.
* Assumption/change of records fees for takeover of existing loan
* All new loan changes (except those required by lender for seller
to pay).
* Interest on new loan from date of funding to 30 days prior to first
payment date.
* Transactional coordinator / Administration fee.


Sellers typicaly pay these closing costs.

* Real estate commission.
* Document preparation fee for deed. (ask Title Co for quote).
* Notary fees
* Termite Inspection (according to contract).
* Termite work (according to contract).
* Home warranty (according to contract).
* Any judgements, tax liens, etc. against the seller.
* Any unpaid homeowner's dues.
* Any bonds or assesments (according to contract).
* Any and all delinquent taxes.
* Documentary Transfer tax ($1.10 per $1,000 of sales price)
* Any loan fees required by buyer's lender.
* 50% of City Transfer/Conveyance Tax (according to contract)
* Recording charges to clear all documents of record against
seller (ask Title Co. if any apply).
* Tax prorations of property taxes unpaid at the time of close.
* Payoff of all loans in seller's name (or existing loan balance
being assumed by buyer).
* Interest accrued to lender being paid off, statement fees,
reconveyance fees and any prepayment penalties.
* Transactional coordinator / Administration fee.


The burden of paying closing costs are not set by law. However goverment loan programs will often dictate who is required to pay when using their programs. See FHA, VA & etc for specifics