집을구입할때, 팔때 클로징 추정 비용

 

구입할때 클로징 추정 비용

BUYER'S APPROXIMATE CLOSING COSTS

Legal and Title Costs
1.	Attorney Fee	$900.00	to	$1,100.00
2.	Survey (Condo $150 to $250)	$450.00	to	$800.00
3.	Recording Fees with Mortgage & Deed	$250.00	to	$500.00
4.	Title Searches / Title Policy Endorsements	$250.00	to	$500.00
5.	Title Insurance Premium	See schedule--NJ Rates for Title Insurance; NY rates vary by county. ask your attorney.
Mortgage Costs
6.	Application Fee	$300.00	to	$600.00
7.	Appraisal	$300.00	to	$500.00
8.	Miscellaneous Mortgage Costs	$100.00	to	$600.00
9.	PMI (Private Mortgage Insurance) Often required if mortgage is more than 80% of purchase price 모게지를 80%이상 얻었을때 필요한보험이니까 요즈음 시장에선 필요없음.
10.	Points Fee paid to lender to "buy-down" interest rate on mortgage One point equals 1% of the mortgage (1 point on a $100,000 mortgage equals $1,000)
Inspection Costs
11.	Home Inspection	$400.00	to	$650.00
	Radon Inspection	$80.00	to	$300.00
	별도로 필요한 Inspections  오일을 쓰면 Oil Tank inspection,  화장실이 Septics일때.
다른비용
1	Homeowner's Insurance one year prepaid premium	$800.00	to	$1900.00
2	Flood Insurance (if applicable)	$750.00	to	$2,000.00
3.	Mansion Tax on Residential Properties 집가격이 $ 1.000.000 이 넘었을때는	1% of Consideration when Sales Price is Over $1,000,000

집을팔때 SELLER'S APPROXIMATE CLOSING COSTS

1.	변호사비용	$900.00 to $1100.00
(Varies, depending on attorney and complexity of transaction)
2.	Liens
	a. Mortgage	_______________
	b. Mortgage Cancellation Fee	$40.00 to $75.00
		_______________
3.	Realty Transfer Tax	For NJ, see Quick Reference Guide.
	(Fee determined by selling price of property.)	For NY: When consideration exceeds $500, the tax is $2.00 for each $500 or fractional part thereof; provided, however, that with respect to (a) a conveyance of a one, two or three-family house and an individual residential condominium unit, or interests therein; and (b) conveyances where the consideration is less than $500,000, the consideration for the interest conveyed shall exclude the value of any lien or encumbrance remaining thereon at the time of conveyances. In addition, if consideration on conveyance of residential real property exceeds $1,000,000, an additional tax of 1% is imposed, on that portion of the conveyance attributable to residential real property.
4.	Adjustments
	(Either a credit or charge to adjust for payments made prior to or beyond the closing date)
	a. Tax	_______________
	b. Water/Sewer	_______________
	c. Oil in tank	_______________
	d. Home Owner's Association Fees	_______________
5.	Certificate of Occupancy	$40.00 to $50.00
	(If applicable)
6.	Smoke Detector Certificate	$25.00 to $50.00
	(Not applicable in NY)
7.	Carbon Monoxide Certificate	$25.00 to $75.00
	(Not applicable in NY)
8.	Real Estate Commission	_______________
9.	NJ: Non-Resident Income Tax	Estimated taxes are paid when deed is recoreded.
	(Exemption apply: consult your attorney for details.)	Minimum amount is 2% of sales price.

* 실제 클로징 비용은 상황에 따라 다르므로 변호사와 반드시 상의하시기 바랍니다.