Typical buyer total
2–4% of purchase price, depending on loan type and lender fees. On a $400k purchase that's $8,000–$16,000.
The big line items
Lender fees ($1,000–$2,500), appraisal ($500–$700), title insurance owner policy ($1,500–$3,000 on $400k), prepaid taxes and insurance reserves, recording fees.
Negotiation lever
Seller-paid closing-cost concessions are common in Lake County. Smart buyers ask for them instead of price reductions when rates are high.
Take the 2-minute Home Match quiz on the Lake County page and we'll send back a focused shortlist for your budget, timeline, and must-haves.