Frank Ruan Ph.D., Broker
(Ph.D.:  UCSF School of Medicine)


Closing Costs

Typical Fees and Taxes Paid for a Real Estate Sale

The following items are customary charges in Santa Clara County. However, almost all charges are negotiable and will be specified in the Purchase Agreement.

Buyer's Charges

  • Lenders Title Insurance Policy
  • 50% City Transfer Tax: Cities of San Jose, Palo Alto & Mt. View $3.30 per $1,000 of sales price. (City taxes are usually split 50/50 between buyer and seller)
  • Recording Fees: Deed and Deed of Trust
  • Notary Fees
  • Drawing Fees: Deed, Private Notes & Deeds of Trust
  • Lenders Fees: May include loan origination fee, appraisal fee, credit report, tax service fee, prepaid interest, processing fee, document prep fee
  • First Year Fire Insurance Premium
  • Termite Inspection
  • Roof Inspection
  • Property Inspection
  • Proration of Real Estate Taxes

Seller's Charges

  • Owners Title Insurance Policy
  • Documentary Transfer Tax: County $1.00 per $1,000 of sales price. Cities of San Jose, Palo Alto & Mt. View $3.30 per $1,000 of sales price. (City taxes are usually split 50/50 between buyer and seller)
  • Escrow Fee
  • Proration of Real Estate Taxes
  • Drawing Fees
  • Notary Fees
  • Recording Fees: Reconveyance
  • Real Estate Commission
  • Home Warranty Contract
  • Environmental/Geological Reports
  • Termite Repairs
  • Payoff of Existing Loans: Principal balance, interest, statement fee, reconveyance fee

Who Pays What

How much is paid and who customarily pays for escrow fees, title fees, and transfer taxes varies from city to city. See the table below to see customary costs for both buyer and seller.


 Escrow Fee

 Title Fee

 Documentary Transfer Fee

 City Tax

 County Tax ($1.1 per $1,000)

 Santa Clara




 buyer 50%,
 seller 50%

 Mountain View:$3.30, 
 Palo Alto:$3.30, 
 San Jose: $3.30

 San Mateo




 buyer 50%,
 seller 50%

 San Mateo: $5.00, 
 Hillsborough:seller $0.30

 San Francisco



 included in city







 buyer 50%,
 seller 50%

 Alameda: $12, Hayward:$4.50

Frank Ruan, Ph.D., Broker
Stanford Professional Realty
5050 El Camino Real          4062 Fabian Way
Los Altos, CA 94022           Palo Alto, CA 94303

 650-400-0085  (call or text)
 408-886-8009  (call or text)
wechat: 6504000085
Contact Me

Service Areas

Silicon Valley
San Francisco Bay Area
Palo Alto
Los Altos
Mountain View
San Jose
San Francisco


Thank you Frank for all your help in making our "dream home" a reality. We really appreciated that you went the extra mile to get us the best price for our home. You are truly the best! John and Rhonda Robinson
View All

Connect With Me


Subscribe to my newsletter...

* fields are required

house realtor mls

Real Estate Websites by iHOUSEweb iconiHOUSEweb | Admin Menu