Buyers & Sellers
Buying or selling a home is often one of life’s biggest moves, and like any big move, there are costs involved. At Yavapai Title Agency, we believe in full transparency. Our goal is to help you understand who pays what, and to avoid surprises on closing day. Because every transaction is unique, property type, loan details, and contract terms all vary, the exact costs can shift. Think of this as a clear, friendly overview of what you’re likely to see, and a starting point for your conversation with your agent, lender, or escrow officer.
When you’re purchasing a home, here are the typical fees you may see:
Lender’s title insurance policy premium
Real estate commissions (per contract)
Half of the escrow fee (unless negotiated otherwise)
Any lender-related loan fees (unless contract states seller pays some)
Recording charges for documents entering in the buyer’s name
Interest on new loans from funding date to first payment date (as applicable)
First-year homeowner’s (hazard) insurance premium and any required impounds (taxes/insurance)
Prorated property tax and HOA fees, if applicable
HOA initiation, monthly or annual dues (if the property is in a HOA community)
Home inspections, appraisal, and any other inspection-related costs
If you’re selling, here are common items sellers typically cover:
Owner’s title insurance policy premium
Real estate commissions (per contract)
Half of the escrow fee (unless negotiated differently)
Any incentives or concessions you’ve agreed to in the purchase contract
Payoff of existing loans (including any prepayment fees, statement fees, or reconveyances)
Any outstanding liens or encumbrances on the property that must be cleared
Recording fees to clear or release documents of record against the seller’s name
Home warranty (if agreed in contract)
Prorated property taxes up to closing date
Any unpaid HOA dues or assessments (if applicable)
HOA disclosure statements and related fees (if required by contract)
At YTA, the escrow fee isn’t just a line item, it covers everything needed to coordinate the closing so you don’t have to manage dozens of moving pieces. Your escrow officer will handle:
Arranging title insurance
Ordering payoff information and processing liens
Calculating prorations for taxes, dues, or other prorated items
Paying off existing costs/liens as needed
Preparing and recording legal documents (deeds, reconveyances, etc.)
Creating a final closing statement so all charges and credits are clear
Coordinating the final closing: funds disbursement, document signing, title transfer.
That means you (buyer or seller) avoid juggling multiple vendors or institutions. YTA handles it all, from start to finish.