In your GFE, I do not see Escrow fees. Are they included in title fees? I doubt it. Otherwise, your closing costs are low. Title and escrow in GFE are estimates, which may differ from your final HUD. BTW, government recording fee should be around $100.
【在 a********r 的大作中提到】 : 大家帮忙看看
x*i
17 楼
I think it's owner's own choice. Most people do not buy owner's title insurance. But lender's title insurance is required.
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【在 p***A 的大作中提到】 : Since you do not have loan agent, then do not buy owner's title insurance on : item 5. (you do not have to buy it)
closing cost largely depends on the locacation and the state. For example, buying a plance in new york city, the closing cost is generally 3-4% of the total purchase price. In Long Island, it is about 2%. In NJ, it is about 1.5%... So without knowing the exact location of the property, it is pointless to compare closing costs.