Closing Costs

Closing costs generally include the following and for the most the buyer and seller negotiate "who pays what":

Title Insurance Premiums
Government Recording Fees
Real Estate Agent Commissions
Transfer Taxes
Stamp Fees or Stamp Tax
Inspection Costs
Loan Fees and Points
Escrow Agent Fees
Homeowners Insurance and Property Taxes (typically pre-paid by the buyer but a "closing" cost nonetheless)