What is included in settlement costs? 

Settlement costs, also called settlement fees or closing costs, are the various costs associated with the closing of a mortgage. This can include discount points, an appraisal fee, title search and insurance, taxes, survey, deed recording fee, credit report charge, and more. Prior to closing, the attorneys involved in the mortgage closing will meet to determine the final costs that are associated with the loan. These settlement costs are disclosed to all parties before the closing table so that they can be prepared to pay.

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