Example figures

Closing costs, line by line

Pick what you're doing and enter a price. You'll see the costs that usually come with it, as example ranges. Your exact numbers come in writing.

01What are you doing?

Buying with a loan Most first-time and move-up buyers Buying with cash No lender, faster file Selling Deed, payoffs, proceeds Refinancing New loan, same home

02Price of the home

For a refinance, enter the home's current value.

03Loan amount

Example total $2,683 to $4,154

Example figures for illustration only, written for this demo. Real costs depend on the price, the loan, the title insurer, the county and the contract. Your Loan Estimate, Closing Disclosure and settlement statement show the real numbers.

Example estimate

Example

Buying with a loan, $425,000

Tidemark closing fee

Flat, quoted in writing · Tidemark

$995 to $1,250

Title insurance, owner's and lender's

Example rate, varies by insurer and price · Title insurer

$1,063 to $1,594

Recording the mortgage

County recording charge, example · County

$25 to $60

Survey (recommended)

Residential lot, example · Others

$450 to $800

HOA transfer and estoppel, if any

Set by the association, example · Others

$150 to $450

Lender fees and prepaids

Origination, appraisal, escrows · Lender

On your Loan Estimate

Total of the lines we can estimate

$2,683 to $4,154

Get your exact quote Residential closings

What each line means

Closing fee: Our flat fee for the title exam, the documents, the closing itself and recording. One line on your statement.
Title insurance: A one-time premium. The lender's policy protects the lender. The owner's policy, which is optional, protects you.
Recording charges: What the county charges to put the deed, mortgage or release into the public record.
Deed recording fee: A state and county charge on the sale price when a deed records. In South Carolina the seller usually pays it, but the contract decides.
Prepaids and escrows: Homeowners insurance, flood insurance where required, and the property tax deposits your lender collects up front.
Prorations: Property taxes and HOA dues split between buyer and seller by the closing date.

Before you wire anything

Call us to confirm every wire. Every time.

Criminals send fake emails that look like they come from closing offices, with new wiring instructions. We will never change our wiring instructions by email. Before you send money, call us at a number you already know.

01 Get instructions in person or by phone Your coordinator gives you wiring details at the start of the file.
02 Call to confirm Use (843) 555-0146, not a number in an email.
03 Confirm receipt We call you when the funds arrive.

A client signs a document across a desk from an advisor, with two small model houses and a calculator on the desk

Who usually pays what

Custom in South Carolina, not law. Your contract can split any of these differently, and it is the contract we follow.

Buyers often pay

Their closing attorney
Lender fees and prepaids
Title insurance
Survey and inspections

Sellers often pay

Deed preparation
The deed recording fee
Mortgage payoff and release
Brokerage commission, per agreement

This page is general information about South Carolina real estate, not legal advice for your situation. Laws change, rules differ by state and facts matter. Reading it does not make Tidemark your lawyer.

Want the real numbers? Ask for a written quote.

Tell us the property, the deadline and who is involved. We reply within one business day with a written flat fee or a time to talk.

Book a consultation Call (843) 555-0146