Who Pays for What

In San Francisco real estate transactions, Sellers and Buyers are generally expected to pay for the following:


  • Real estate commission
  • Document preparation fee
  • Documentary transfer tax
  • City transfer/conveyance tax
  • Payoff of all existing loans secured by property
  • Additional Interest accrued, reconveyance fees and any prepayment penalties
  • Termite work (according to contract)
  • Home warranty (according to contract)
  • Any judgments, tax liens, etc., against the seller
  • Recording charges to clear all documents of record against seller
  • Property Tax pro-ration (for any taxes unpaid at time of transfer of title)
  • Any unpaid Homeowner’s dues
  • Any and all delinquent taxes
  • Notary fees
  • Any bonds or assessments (according to contract)
  • Energy/Water Conservation Compliance


  • Title insurance premiums
  • Escrow fee
  • Documentation preparation (if applicable)
  • Recording charges for all documents in buyer’s names
  • Property Tax pro-ration (from date of acquisition)
  • Property inspections
  • Homeowner’s transfer fee (according to contract)
  • All new loan charges
  • Home warranty (according to contract)
  • Interest on new loan from date of funding to 30 days prior to first payment date
  • Assumption/change of records fees for takeover of existing loan
  • Beneficiary statement fee for assumption of existing loan
  • Payment to escrow for home owners insurance premium