Who Pays What by County: Quick Reference Chart on Real Estate Transaction Fees

This chart shows customarily which side of the real estate transaction pays which fees. All fees can be negotiated

Fees

Santa Clara

Alameda

San Mateo

Contra
Costa

Monterey

San Francisco

Escrow Fee (Base on Sales Price)

SELLER

BUYER

BUYER

BUYER

S/B

BUYER

Owner's Title Insurance Policy (Base on Sales Price)

SELLER

BUYER

BUYER

BUYER

S/B

BUYER

Lender's Title Insurance Policy (Base on Loan Amount)

BUYER

BUYER

BUYER

BUYER

BUYER

BUYER

County Transfer Tax (Based On Sales Price) $1.10 per thousand $

SELLER

SELLER

SELLER

SELLER

SELLER

SELLER

City Transfer Tax (Based On Sales Price)

S/B
50/50

BUYER

BUYER

BUYER

BUYER

BUYER

Fire Insurance Premium for First Year

BUYER

BUYER

BUYER

BUYER

BUYER

BUYER

Document Preparation Fees

SELLER

BUYER

BUYER

BUYER

BUYER

BUYER

Document Recording Charges

BUYER

BUYER

BUYER

BUYER

BUYER

BUYER

Homeowners' Association Transfer Fee and Prorated Dues

SELLER

BUYER

BUYER

BUYER

BUYER

S/B

Special Delivery/Courier Fee, if required

SELLER

BUYER

BUYER

BUYER

BUYER

BUYER

Home Warranty According to Contract

BUYER

BUYER

SELLER

BUYER

BUYER

SELLER

Inspection Fee According to Contract (Termite*, Roof, Property, Geological, etc.)

BUYER

BUYER

BUYER

BUYER

BUYER

BUYER

Matters of Record Against The Buyer (Tax Liens, Judgments, etc.) and Fees Required to Clear Them

BUYER

BUYER

BUYER

BUYER

BUYER

BUYER

Lender's New Loan Charges*

BUYER

BUYER

BUYER

BUYER

BUYER

BUYER

Interest On New Loan From Date of Funding to 30 Days Prior to First Payment Date

BUYER

BUYER

BUYER

BUYER

BUYER

BUYER

Real Estate Commission

SELLER

SELLER

SELLER

SELLER

SELLER

SELLER

Notary Fees

BUYER

SELLER

SELLER

SELLER

SELLER

SELLER

Property Tax Proration (To Date of Acquisition)

SELLER

SELLER

SELLER

SELLER

SELLER

SELLER

Special Delivery/Courier Fees, If Required

SELLER

SELLER

SELLER

SELLER

SELLER

SELLER

Document Preparation Fees*

SELLER

SELLER

SELLER

SELLER

SELLER

SELLER

Document Recording Charges*

SELLER

SELLER

SELLER

SELLER

SELLER

SELLER

Homeowners' Association Transfer Fee and Prorated Dues

SELLER

SELLER

SELLER

SELLER

SELLER

SELLER

Bonds and Assessments According to Contract

SELLER

SELLER

SELLER

SELLER

SELLER

SELLER

 
If you have any questions about this information, please contact me at 408-861-2440 or email me at
brian.chew@cbnorcal.com

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