Closing Costs for Home Real Estate Transactions

Atlanta Mortgage Lending can answer questions about these closing costs. Give us a call at 678-546-3040.

Certain standard costs are related to closing the sale of a home. Buyers customarily pay these costs, as the real estate sales contract specifies, however, depending on the contract the seller may have to split some of the closing costs. "Closing Costs" are the fees that cover the various services involved in the sale of residential real estate. These fees are either paid out of pocket or indirectly by crediting the loan.

As you'll see below, many of the buyer's costs are related to the costs of getting the loan. At Atlanta Mortgage Lending, we have extensive experience in residential mortgage lending, so we can compile a comprehensive list of mortgage-related closing costs in your estimate.

Getting The Loan Estimate

Within three days after you submit your application, we'll provide you with a Loan Estimate. The Loan Estimate lays out information like closing costs, taxes, insurance, estimated interest rate monthly payment and more. This estimate is not an approval, but it's the first step toward obtaining your loan.

We review estimates with buyers almost every day, so we are happy to answer any questions you have about closing costs.

We've provided a general list of these costs below, but we will give you a specific list of closing costs, with amounts, soon after you complete your application. At Atlanta Mortgage Lending, we don't believe in surprises, so if your costs change, we'll be sure to let you know immediately.


Standard Closing Costs

Loan-Related Costs
  • Points — lower your mortgage interest rate (optional)
  • Appraisal Costs
  • Pulling Your Credit Report
  • Interest Payment
  • Escrow Fees
  • Loan-related costs
Property Taxes
  • Transfer Taxes & Recording Fees
  • Insurance
Homeowners Insurance
  • Title Insurance
  • Flood / Earthquake Insurance
  • Private Mortgage Insurance (PMI)
In the market for a mortgage loan? We will be glad to help! Call us at 678-546-3040. Ready to begin? Apply Online Now.