Whether you are buying or selling a home, there are closing costs that need to be paid at closing. Understanding these fees in advance and knowing what to expect will help you be prepared and avoid any last-minute surprises. Fees will vary between lenders, loan type and terms, and title companies.
If you need to refer back to these estimates, you can find them on my website RyallRealEstate.com under the Blog tab.
NOTE – Real Estate Compensation: I am using 6% for the total real estate compensation to be paid by the seller on this estimated net chart.
Following the 2024 industry changes, buyers now sign a Buyer Broker Agreement that outlines their responsibility for their agent’s compensation. In today’s market, it is still very common for sellers to pay some or all of the buyer’s broker compensation as part of the negotiation. When preparing a seller’s estimated net sheet, I prefer to use the highest anticipated amount so my clients have a conservative estimate. If the negotiated compensation is lower, that simply means they will net more at closing.
These estimates do not include the appraisal, or home inspections, which are typically paid up-front.
If you are thinking of buying or selling a home and would like me to prepare a personalized Closing Cost Estimate so you can see what your estimated bottom line will be, or if you have any questions about closing costs or the closing process, please don’t hesitate to contact me. I am always happy to help answer your real estate questions.
The Seller Closing Costs Estimate below is based on fees from Security Title. While fees may vary slightly between title companies, they should be pretty similar. This estimate will give you a good idea of what fees to expect when selling a home in Mesa (taxes will vary by city).
This is the estimated net before any payoff of any current mortgage(s).
These estimates are based on:
- Sales price of $900,000
- Close of escrow date of Aug. 31, 2026
- Property taxes are prorated through the Close of Escrow
- The Title Policy is always paid for by the seller in Arizona
- Realtor compensation and title fees are included
- No HOA fees included
The Buyer Closing Cost Estimate below is based on fees from Security Title. The biggest difference in costs will typically be the lender fees. Some lenders bundle many of their fees into the loan, while others itemize them separately. One lender may not charge an origination fee, while another may charge $2,000 or more. That is why it is so important to understand the lender’s fees and how they may affect the interest rate.
This estimate will give you an idea of the fees you may be charged and what to expect when buying a home in Mesa (taxes will vary by city).
These estimates are based on:
- Purchase price of $900,000
- Close of escrow date of Aug. 31, 2026
- Conventional loan at 6.625%, 30-year term
- 20 percent down payment
- HOA monthly fee of $150