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Closing Costs

Closing costs you should expect

There are certain expected fees associated with closing the sale of a house. These fees are commonly split between the buyer and seller, as instructed in the sales contract. Many are conventional, but there are nuances to each, so you'll want a real estate expert in Oklahoma to help direct you through the deal.


Costs pertaining to your mortgage to be paid at closing    (Click here for more information)

  • Points (optional)
  • Appraisal Fee
  • Credit Report
  • Interest Payment
  • Escrow Account

Taxes commonly paid at closing    (Click here for more information)

  • Property Taxes
  • Transfer Taxes and Recording Fees

Insurance fees due at closing    (Click here for more information)

  • Homeowners Insurance
  • Flood or Quake Insurance (optional)
  • Private Mortgage Insurance (PMI) (optional)
  • Title Insurance

Sellers: As we get through the details of your deal, not only will I work to get the highest sales price, but I'll also push for limited closing costs. And once we've arrived at an agreement, I'll walk you through the closing costs so you know exactly where your money is going. 

Buyers: If you're purchasing a home in Oklahoma City, you'll receive a "Loan Estimate" (LE) of closing costs within three days of submitting your loan application and a "Closing Disclosure" no fewer than three days prior to closing. These estimates are based on the loan officer's previous experience and are required to be within an acceptable range so you're not shocked when you arrive at closing time. I'll be willing to go over the estimate with you, answering your questions and highlighting any estimates of concern.

Don't forget to factor in closing costs when considering a home sale or purchase. Niki Higgins is seasoned at aiding both buyers and sellers when it comes to closings. E-mail or call me today at 405-919-1098 if your needs include a real estate pro ready for the business side of buying and selling.

What Others Are Saying

Niki is very helpful and knowledgeable realtor. She helped me find the house that I was looking for. She is good at negotiating for the purchase of a property. She is a very personable and I recommend her very highly. Sherry M.
Niki is a very warm and personable person on top of being an awesome professional. She helped us find the home and location of our dreams and extremely quickly sell our existing home. She guided us through the processes with ease. Her nature, experience and customer service are quintessential to the field! We highly recommend Niki to helping you buy or sell your home. Thank you Niki; we are ever so grateful!! Jeff
Niki is an absolute joy to work with. Two years ago she sold our Edmond home in two weeks and got us just what we wanted for it, and now we have just purchased a new home that she helped us find. Niki is thoughtful, patient, honest, and knows real estate! Her referrals for a mortgage lender, home appraisal, and even professional packers were awesome. Niki is a seasoned Realtor with too many attributes to list- suffice to say, if you need a Realtor she is your gal. Mikala Price
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Niki Higgins
Real Estate Broker | Lifestyle Realty 
Oklahoma City, OK 73162
405-919-1098
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