When you are calculating the budget for your next move, it is easy to focus entirely on the down payment. But as closing day approaches, both buyers and sellers start asking the same critical question: How much are closing costs going to be, and who is paying for what?
At Texas Homeland Title, we believe in complete fee transparency. While closing costs can seem like a moving target, the rules in the Lone Star State, and right here in Montgomery County, are actually very straightforward.
Here is a simple breakdown of how title insurance and closing costs are traditionally divided at the negotiating table.
The Big One: Owner’s Title Insurance
Let’s start with the title policy itsel...
