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Closing Costs

A solid estimate can lead to a successful close

If there's anything you can count on, it's change. And mortgage closing costs are no exception. If you know how to estimate closing costs, you may avoid last-minute surprises.

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Typical mortgage closing costs covered in your Loan Estimate

The Loan Estimate you receive after you apply is based on the information we have at the time, and closing costs will vary with each loan. Three days before you close, you’ll get a Closing Disclosure with final costs. Below are some examples of typical mortgage closing costs.

  • Origination Charges can include charges like the application and underwriting fees
  • Services You Cannot Shop For are costs for services the lender chooses, such as the appraisal, credit report, and flood determination service
  • Services You Can Shop For are services you can shop the costs for, including the pest inspection, survey, and title search
  • Taxes and Other Government Fees include recording fees and other taxes. Your lender has no control over these costs
  • Prepaids are the first payments for your homeowners insurance, mortgage insurance, and prepaid interest
  • Initial Escrow Payment at Closing covers payment of future homeowners insurance and property taxes
    Learn more about escrow
  • Other Costs include anything else not covered, such as an optional Owner's Title Policy

What else may affect your mortgage closing costs

  • The price and value of your home, and the amount of your home loan
  • Where you live since closing costs vary by region
  • Changes to pricing caused by interest rate changes, changes to your credit or income, etc.
  • Taxes and/or utilities that are prepaid by the seller

For a better idea of how to estimate closing costs in your region, contact a local Wells Fargo home mortgage consultant.

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Remember, closing costs and cash-to-close are two different things. Your cash-to-close is the cash you will use to pay the mortgage closing costs.

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