Who pays the closing costs?
Buyers Answers

Closing costs are either paid by the home seller or home buyer. It often depends on local custom and what the buyer or seller negotiates. In San Diego, the seller customarily pays for most of the real estate closing costs (title insurance, Realtor fees, transfer taxes, HOA fees, home warranty, etc.).  Escrow fees are usually split evenly between the buyer and seller (this makes sense because the escrow company is a neutral, third party). Mortgage and loan fees are paid by the buyer.