What Are Closing Costs and Who Pays Them?

Closing costs are the behind-the-scenes expenses that make a sale legal and official — title fees, lender charges, appraisals, and insurance. Buyers typically pay 2–5% of the purchase price, though sellers sometimes offer credits. Always review your Loan Estimate early so there are no surprises on signing day.

Written by Delisa Lapinsky, your trusted Rockwall and Dallas-area real estate expert.
Delisa helps homeowners across North Texas buy and sell with strategy, confidence, and ease