🏡 Closing Costs Explained: What Every Homebuyer in Chico Should Know

When buying a home, most buyers focus on the down payment—but there’s another important part of the process: closing costs.

If you’re looking to buy in Chico, Oroville, or anywhere in California, here’s what you need to know.

💰 What Are Closing Costs?

Closing costs are the fees and expenses you pay at the end of the transaction. They usually include things like:

• Loan origination fees

• Title insurance

• Appraisal and credit report

• Escrow fees

• Prepaid property taxes and homeowner’s insurance

Typically, closing costs run between 2–5% of the purchase price.

🤝 How to Lower Closing Costs

The good news? You don’t always have to pay all of this out of pocket. There are options:

• Seller credits (negotiated as part of your offer)

• Down payment assistance programs that include help with closing costs

• Lender credits (sometimes available depending on the loan program)

🌱 Think of It as Part of Planting the Seed

Just like a garden needs good soil to thrive, your home purchase needs the right preparation. Knowing about closing costs in advance means you won’t be surprised—and you’ll feel confident at the finish line.

✅ Ready to Take the Next Step?

Whether you’re a first-time buyer, using an ITIN program, or ready for your next home, I’ll guide you through closing costs and make sure your loan is structured in the best way for your goals.

📲 Call or DM me today—I’ll help you plant the seed for successful homeownership.