Zillow Advice: Home Buying - who pays for what on closing costs when purchasing a home in Massachusets http://www.zillow.com/advice-thread/who-pays-for-what-on-closing-costs-when-purchasing-a-home-in-Massachusets/503077/ Zillow Advice | Zillow Real Estate The Seller pays for the tax ... http://www.zillow.com/advice-thread/who-pays-for-what-on-closing-costs-when-purchasing-a-home-in-Massachusets/503077/ The Seller pays for the tax stamps and taxes, water, are prorated on the HUD.&nbsp; HUD is the break down of buyer and seller costs which will get signed by buyer and seller at closing.<br/><br/>Some Sellers if they are giving buyer seller concessions want their net price to be used to calculate tax stamps.<br/><br/>Good luck! Fri, 01 Nov 2013 13:11:00 GMT http://www.zillow.com/advice-thread/who-pays-for-what-on-closing-costs-when-purchasing-a-home-in-Massachusets/503077/ 2013-11-01T13:11:00Z It depends on what was agreed ... http://www.zillow.com/advice-thread/who-pays-for-what-on-closing-costs-when-purchasing-a-home-in-Massachusets/503077/ It depends on what was agreed upon during the offer period and what was added to the P&amp;S agreement. Usually everything is spelled out on a HUD 1 agreement. Fri, 01 Nov 2013 02:42:00 GMT http://www.zillow.com/advice-thread/who-pays-for-what-on-closing-costs-when-purchasing-a-home-in-Massachusets/503077/ 2013-11-01T02:42:00Z It really depends what you ... http://www.zillow.com/advice-thread/who-pays-for-what-on-closing-costs-when-purchasing-a-home-in-Massachusets/503077/ It really depends what you and your mortgage professional have agreed upon. If you are doing a no closing cost loan then you are only obligated to pay the pre-paid items in most cases. Let me know if you need any help with anything. I would love to chat! Tue, 03 Sep 2013 21:14:00 GMT http://www.zillow.com/advice-thread/who-pays-for-what-on-closing-costs-when-purchasing-a-home-in-Massachusets/503077/ 2013-09-03T21:14:00Z Assuming you are getting ... http://www.zillow.com/advice-thread/who-pays-for-what-on-closing-costs-when-purchasing-a-home-in-Massachusets/503077/ <p>Assuming you are getting a mortgage, all costs associated with obtaining the mortgage, tax/ins escrows and pre diem interest are your responsibility. You also have the closing attorney's fees including title insurance (lenders and optional owners), title search, courier, plot plan, MLC, and recording fees for mortgage/deed/MLC.<br/><br/>Deed Tax Stamps are traditionally paid by the seller. If you are buying in Worcester or one of the towns that border, the title search might be paid by the seller.<br/><br/>Title insurance is a variable cost based on purchase price and loan amount. Lenders fees can vary as well. Over all though closing costs (not including tax/ins escrows) could range $3-6k.&nbsp; Definitely ask for a cost estimate that includes all the escrows and title insurance for both lender and owner.</p> Tue, 23 Jul 2013 14:44:00 GMT http://www.zillow.com/advice-thread/who-pays-for-what-on-closing-costs-when-purchasing-a-home-in-Massachusets/503077/ 2013-07-23T14:44:00Z The seller typically pays ... http://www.zillow.com/advice-thread/who-pays-for-what-on-closing-costs-when-purchasing-a-home-in-Massachusets/503077/ The seller typically pays the deed stamps (a tax paid at the registry of deeds $4.56 per thousand of purchase price) realtor commissions, fees for clearing title, mortgage payoff and fees associated with the mortgage. <br/>The buyer pays their bank fees (appraisal, flood cert., points, prepaid interest, escrows for taxes &amp; ins. associated with the purchase, title insurance, recording fees, title search fees, etc.&nbsp; There is an adjustment for taxes depending on when you close and if the home has oil, then the buyer pays seller for the oil in the tank.<br/><br/>Hope this helps. Tue, 23 Jul 2013 13:54:00 GMT http://www.zillow.com/advice-thread/who-pays-for-what-on-closing-costs-when-purchasing-a-home-in-Massachusets/503077/ 2013-07-23T13:54:00Z Everything should be spelled ... http://www.zillow.com/advice-thread/who-pays-for-what-on-closing-costs-when-purchasing-a-home-in-Massachusets/503077/ Everything should be spelled out prior to closing on your HUD1 settlement sheet Mon, 22 Jul 2013 21:58:00 GMT http://www.zillow.com/advice-thread/who-pays-for-what-on-closing-costs-when-purchasing-a-home-in-Massachusets/503077/ 2013-07-22T21:58:00Z A local agent or escrow company ... http://www.zillow.com/advice-thread/who-pays-for-what-on-closing-costs-when-purchasing-a-home-in-Massachusets/503077/ A local agent or escrow company can tell you what is customary in your area, however if you're already under contract, everything should be spelled out there. Mon, 22 Jul 2013 21:24:00 GMT http://www.zillow.com/advice-thread/who-pays-for-what-on-closing-costs-when-purchasing-a-home-in-Massachusets/503077/ 2013-07-22T21:24:00Z