Guide to Customary Closing Costs in Alameda County

Buyers typically pay these closing costs.

  • Escrow fee (ask Title Co for quote).
  • Owner's Insurance Premiums CLTA (ask Title Co for quote).
  • Lender'sTitle Policy Premiums ALTA (ask Title Co for quote).
  • Document Preparation (ask Title Co for quote).
  • Notary Fees. 
  • Homeowner's Transfer Fee (if any).
  • Tax proration (from date of acquisition).
  • Recording Charges for all documents in Buyer's names.
  • Fire Insurance Premium for first year.
  • Home Warranty (according to contract).
  • Inspection Fees roofing, property inspection & geological.
  • 50% of City Transfer/Conveyance Tax (according to contract)
  • Beneficiary statement fee for assumption of existing loan.
  • Assumption fees for takeover of existing loan
  • All new loan changes (unless required by lender for seller to pay).
  • Interest on new loan from date of funding to 30 days prior to first payment date.
  • Transactional coordinator / Administration fee.


  • Sellers typicaly pay these closing costs.
  • Real estate commission.
  • Document preparation fee for deed. (ask Title Co for quote).
  • Notary fees
  • Termite Inspection (according to contract).
  • Termite work (according to contract).
  • Home warranty (according to contract).
  • Any judgments, tax liens, etc. against the seller.
  • Any unpaid homeowner's dues.
  • Any bonds or assessments (according to contract).
  • Any and all delinquent taxes.
  • Documentary Transfer tax ($1.10 per $1,000 of sales price)
  • Any loan fees required by buyer's lender.
  • 50% if city transfer/conveyance tax (according to contract)
  • Recording charges to clear all documents of record against seller (ask Title Co. if any apply).
  • Tax prorations of property taxes unpaid at the time of close.
  • Payoff of all loans in seller's name (or existing loan balance being assumed by buyer).
  • Interest accrued to lender being paid off, statement fees, reconveyance fees and any prepayment penalties.
  • Transactional coordinator / Administration fee.

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