What closing costs should you expect?

 Sand and Land Realty can walk you through closing - 772-713-7139


There are certain basic costs linked to closing the sale of a house. These costs are often split between the buyer and seller, as instructed in the sales contract. Many are universal, but there are nuances to each, so you'll want a real estate expert in Florida to help guide you through your transaction.

Closing costs that are tied to your mortgage    (Click here for details)

  • Points (optional)
  • Appraisal Fee
  • Credit Report
  • Interest Payment
  • Escrow Account

At closing, these taxes are usually collected    (Click here for details)

  • Property Taxes
  • Transfer Taxes and Recording Fees

At closing, these fees are often due    (Click here for details)

  • Homeowners Insurance
  • Flood or Quake Insurance (optional)
  • Private Mortgage Insurance (PMI) (optional)
  • Title Insurance

Sellers: As we get through the details of your sale, we'll not only work to get the very best sales price, but we'll also advocate for lower closing costs. And once we've come to an agreement, we'll fully clarify the closing costs so you know exactly what you're paying for.

Buyers: When buying a property in Vero Beach, you'll be given a "Loan Estimate" (LE) of closing costs within three days of submitting your loan application and a "Closing Disclosure" no fewer than three days prior to closing. These estimates are based on the loan officer's past experiences and are required to be within a tolerable range so you're not startled when you reach the closing appointment. We'll be happy to look through the estimate with you, answering your questions and highlighting any estimates that seem off.

Don't forget to factor in closing costs when considering a home sale or purchase.  The Sand and Land Team is seasoned at assisting both buyers and sellers when it comes to closings. E-mail or call us today at 772-713-7139 if your needs include a professional REALTOR® ready for the business side of buying and selling.

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Sand and Land Team

3377 Ocean Drive
Vero Beach, FL 32963