Closing Costs Can Reach 5% of Your Loan | “Your dream home, guided by a local team you can trust.”

One of the most common surprises we see as mortgage professionals is how quickly closing costs can add up—they often range from 2% to 5% of your loan amount. These aren’t part of your down payment, but separate upfront charges that cover everything from lender fees and appraisals to title work, taxes, insurance, and initial escrow funding. It’s details like these that can catch buyers off guard if they haven’t planned beyond their down payment.

At KC Mortgage Duo, our background in public service means we approach every step with transparency and care, making sure you know what to expect. Buyers typically handle most closing costs, while sellers pay their own, though there’s always room for negotiation—sometimes those concessions can make a real difference, especially in a slower market. Before you get to the closing table, we encourage you to compare lender estimates, review your final disclosure closely, and ask about credits or assistance that might be available. This is your investment—let’s make sure every dollar works for you, not against you.