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what are the average closing costs on a house

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Calculating closing costs involves adding up all of the various fees and charges a homebuyer pays when taking ownership of a home, like lender charges and settlement services, as well as pre-paid and escrow amounts. We include every possible fee that you could be charged when closing a home.

Bankrate gathered data on closing costs from lenders throughout the U.S. Click on your state for a fee-by-fee breakdown of the average closing.

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The decision about who pays closing costs, however, is not set in stone. The average closing costs on a house can be divided differently between the buyer and the seller. As we will see below, for buyers who are in a tight economic situation, there are possibilities to alter who pays the closing costs on a house in a mutually beneficial agreement.

In the closing process, knowing who pays closing costs is absolutely critical to. yourself if you don't know who pays closing costs when buying a house.. As a result, the following list highlights some of the average closing costs for buyers:.

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 · The amount you’ll pay in closing costs varies according to the size of your loan and tax laws in your area. Closing costs average 2 to 5 percent of the purchase price. For example, if you’re buying a $300,000 house, the total closing costs could range from $6,000 to $15,000.

 · If you use the current median sales price for homes, along with the typical 3% to 5% that buyers pay in closing costs, you’d end up with a range of $11,550 to $19,250. But there are a lot of variables that could affect your bottom line. Please contact us if you’d like a more precise estimate tailored to your situation.

When you are buying a home you generally pay all of the costs associated with that transaction.. Even if you don't pay the mortgage closing fees directly out of pocket, you might end up. Visit our "Buying a House" guide.