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Guide to Transaction Costs

feesThis gives a general overview of the typical costs associated with a Southern California residential real estate transaction and who customarily pays for it. Note that all costs are negotiable between Seller and Buyer and are subject to change.


  • Real estate commission
  • Owners title insurance policy
  • Documentary transfer tax
  • Natural Hazard Disclosure Report
  • Home Warranty
  • Government required retrofitting
  • Termite inspection (according to contract)
  • Homeowner's Association documents and transfer fee, if any.
  • Settlement/Escrow Fee


  • Loan fees
  • Prorated property taxes
  • Inspection fees (roofing, property, geological, etc.)
  • First year hazard insurance premium
  • Lender's title insurance policy
  • Next month Homeowner's Association Dues
  • Messenger fees
  • Settlement/Escrow Fee
  • Post Closing: Expect a supplemental tax bill from the county assessor reflecting the stepped up basis for the remainder of the tax year that the transfer occurred.

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burkeBurke Real Estate Consultants Cal Broker BRE#01000175
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