One of the most confusing — and stressful — parts of buying or selling a home is understanding who actually pays for what.
Between commissions, closing costs, lender fees, and inspections, it’s easy to feel overwhelmed or worry about hidden surprises.

That’s exactly why I created this new blog and video:

“Who Really Pays for Real Estate Fees? Let’s Break It Down Clearly.”

No vague explanations.
No industry jargon.
Just the real breakdown so you can walk into your next transaction fully prepared.

🏡 Who Really Pays for Real Estate Fees?

Whether you’re buying your first home, selling your current one, or doing both, understanding real estate fees upfront helps you budget correctly and avoid surprises at the closing table.

Let’s break it down in plain English.

👤 If You’re a Buyer: What Fees Are You Responsible For?

Many buyers are surprised to learn that purchasing a home involves more than just the down payment. Here’s what buyers typically pay:

✔️ Home Inspection Fees

Paid upfront and usually range from a few hundred dollars.
This protects you by uncovering potential issues before you finalize the purchase.

✔️ Appraisal Fee

Ordered by the lender to confirm the home’s value.
This ensures you’re not overpaying and that the bank is lending responsibly.

✔️ Loan-Related Closing Costs

These can include:

• Lender fees
  
  
• Title insurance
  
  
• Escrow fees
  
  
• Prepaid taxes and insurance
  
  

💡 Good to know: In many cases, buyers can negotiate seller concessions to help cover some of these costs.

👤 If You’re a Seller: What Fees Are You Responsible For?

Sellers typically cover a different set of costs — and this is where most confusion happens.

✔️ Real Estate Commission

Traditionally paid by the seller and split between the listing agent and buyer’s agent.
This covers marketing, negotiations, paperwork, and professional representation on both sides.

✔️ Seller Closing Costs

These may include:

• Title fees
  
  
• Escrow fees
  
  
• Transfer taxes (depending on location)
  
  
• HOA fees or document preparation
  
  

✔️ Repairs or Credits (If Negotiated)

Not mandatory — but often part of negotiations after inspections.

⚠️ The Biggest Misunderstanding About Fees

Here’s the truth most people don’t hear:

👉 Fees are negotiable — but only when you understand them.

Problems happen when buyers or sellers:

• Don’t ask questions
  
  
• Don’t review their estimates
  
  
• Assume something is “included”
  
  
• Find out too late at closing
  
  

Clarity upfront prevents stress later.

💡 How to Protect Yourself Financially

No matter which side you’re on, here’s how to stay prepared:

✔️ Ask for a full cost estimate early
✔️ Review your Loan Estimate or Net Sheet carefully
✔️ Don’t be afraid to ask questions
✔️ Understand what is negotiable and what isn’t
✔️ Work with professionals who explain — not confuse

A good real estate experience should feel clear, confident, and transparent from start to finish.

If you’re planning a move and want help understanding your numbers, I’m always happy to walk you through it.

👉Book Your Free Strategy Call

Or just reply to this email and let me know your timeline—we'll take it from there.

🌟 Reminder of the Day

Clarity creates confidence — and confident decisions lead to better outcomes. Always know your numbers.

With you every step,

Alexa Pena , Real Broker 

📱 (844)523-1115 | 📧 info@investwithalexa.com
🌐www.investwithalexa.com | 📺 Watch our Youtube Channel