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By Maryanne Jackson Real Estate Broker

December 10, 2019 (San Diego’s East County)

Dear Maryanne,

Can you clarify for us whom pays for what on a property purchase/sale in Southern California?

Joel B and Jessica M.

Dear Joel and Jessica,

Please keep in mind that all terms are negotiable and could be open for bargaining, but here is a general rule of thumb.


1)Brokers commission

2) Taxes

3)Prorated taxes, HOA dues, interest (could be a credit or debit.)

4) Payoff all loans and other liens and judgements of record against the property.

5) Loan fees required by the buyer’s lender (applicable for VA buyers)

6) Homeowner’s Association transfer fee, document fee, and demand fee

7) Pest control inspection and repairs, septic and well clearance and warranty transfers such as solar or roof warranties

8) Title and escrow fees (Sellers portion)

9) Document prep fees for Grant deed and other recordable documents for seller’s benefit

10) Notary Public fees

11) Buyers home warranty plan and state mandated Natural Hazards reports

12) Document recording charges


  1. Prorated taxes, interest, HOA dues (could be a debit or credit)
  2. Inspection fees, appraisal fee and new loan costs
  3. Payable taxes (not yet due) but, required by the lender
  4. Hazard insurance normally paid in advance
  5. Title insurance premium for lenders policy
  6. Escrow fee (Buyers portion)
  7. Document preparation fees for buyers benefit
  8. Notary fees
  9. Special delivery and courier/wire fees
  10. Document recording charges


All questions answered on a first come first serve basis, send to or call 858-740-7858.

Maryanne Jackson Real Estate Broker, CNE, CPRES, DRE# 01784021

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