Typical Closing Costs in Alameda County

A Guide to What the Buyer Generally Pays For To Purchase a Home in Alameda County, California.

  • Title insurance policy premium for buyer and lender if there is a loan.
  • Escrow fee.
  • Notary fee.
  • Property tax proration (from date of acquisition)... this figure is based on the purchase price and date of closing.
  • Special delivery/courier fees if applicable.
  • Document recording charges.
  • Homeowners’ association transfer fee and pro rated dues where applicable.
  • 50% of City Transfer Tax which averages $7.50 per $1,000 of purchase price: some cities are less.
  • Home Warranty according to contract.
  • Inspection fees according to contract (termite, roof, property, geological, etc.).
  • Matters of record against the buyer (tax liens, judgements, etc.) and fees required to clear them.
  • Fire insurance premium for first year.  You must have this before closing. 
  • For a Farmers Insurance quote :  Teresa Chan, Farmers Agent
  • Assumption/change of record fee, for takeover of existing loan if applicable.
  • Lender’s new loan charges:
  • Interest on new loan from date of funding to 30 days prior to first payment date.
  • Other prorations (rents’ insurance, etc.) as applicable.
  • Additional requirements designated by City.