Split Rock Real Estate (518)587-8877
Steven H. McIntyre-Broker
Michael P. Ginley-Associate Broker
Steven H. Gottmann-Associate Broker
Home Contact Us Staff Profiles Our Featured Homes Split Rock Appraisals Ginley & Gottmann

Finding the right home at the right price is just one part of a home sale or purchase. Split Rock Real Estate is experienced at helping both buyers and sellers when it comes to closings. E-mail or call me today at (518) 587-8877 if your needs include a real estate pro ready for the business side of buying and selling.


Anticipated closing costs

There are certain basic costs linked to closing the sale of a house. These expenses are usually split between the buyer and seller, as noted in the sales contract. Many are customary, but there are nuances to each, so you'll want a real estate expert in New York to help direct you through the deal.

Closing costs that are tied to financing    (Click here for details)

  • Points (optional)
  • Appraisal Fee
  • Credit Report
  • Interest Payment
  • Escrow Account

At closing, the following taxes are usually paid    (Click here for details)

  • Property Taxes
  • Transfer Taxes and Recording Fees

Insurance fees due at closing    (Click here for details)

  • Homeowners Insurance
  • Flood or Quake Insurance (optional)
  • Private Mortgage Insurance (PMI) (optional)
  • Title Insurance

Sellers: As we negotiate your sale, not only will I work to get the highest sales price, but I'll also push for reduced closing costs. And once we've reached an agreement, I'll explain in detail the closing costs so you are aware of exactly where your money is going.

Buyers: If you are buying a property in Saratoga County, you will get a "Good Faith Estimate" (GFE) of closing costs within three days of submitting your loan application. The estimate is based on the loan officer's past experiences and is required to be within a suitable range so you're not astonished when you arrive at the closing table. I'll be happy to look through the GFE with you, answering your questions and highlighting any estimates that are uncertain.