In the Portland area, the Home Buyer usually pays:

• Pro-rated property taxes from recording date to June 30th
• All new loan fees, except those that lender requires seller to pay (FHA/VA)
• Appraisal fee, loan document preparation fees, and other loan costs as applicable
• Interest on new loan from date of funding to thirty days before first payment date
• First year hazard insurance premiums
• Property tax and insurance impounds, if required by lender
• One-half escrow closing fee
• Lender’s title insurance premium
• Early issue premium if new construction
• Assumption/change of records fees for takeover of existing loan (plus pro-rated payments and impounds), if applicable)
• Beneficiary statement fee for assumption of existing loan
• Recording charges for all documents in buyer’s name
• One-half Washington County transfer tax, if applicable
• Pro-rated homeowner association dues
• Property inspection fees (whole house and special) unless contracted otherwise

In the Portland area, the Home Seller usually pays:

• Balance of existing loans Loan interest accrued to actual payoff date, statement fees, reconveyance fees and any prepayment penalties
• Unpaid property taxes, including current year’s pro-rated taxes from July 1st to recording date
  Any bonds or assessments (according to contract)
• Brokerage fees
• One-half escrow closing fee
• Owner’s title insurance premium
• Title document preparation fees
• Any buyer loan fees lender requires to be paid by seller (FHA/VA)
• Any judgments, tax liens, etc. against seller of record
• Unpaid homeowner association dues, including pro-rated current year dues
• Government service fee ($35.00)
• One-half Washington County transfer tax, if applicable
• Contracted property repairs

On FHA loans, the Seller also pays:

• Entire escrow fee
• Early issue fee, if new construction
• Entire Washington County transfer tax and government service fee

On VA loans, the Seller also pays:

• Tax service fee
• Document preparation fee
• Inspection fee, if more than one inspection