When it comes to buying or selling a home, understanding who is responsible for which closing costs can make a significant difference in how you negotiate—and what you ultimately walk away with. To help bring clarity to the process, we’ve created a simple, visual breakdown of typical cost responsibilities in both cash and conventional loan transactions.
Whether you're a buyer preparing to make a strong offer or a seller planning ahead, this chart offers a helpful overview of common fees, who traditionally pays them, and which items are open to negotiation. Use it as your quick-reference guide during your next transaction—and feel more confident at the closing table.
