Closing Costs for California Home Buyers

First-time buyers in Corona, Eastvale, and Riverside often focus on down payment alone. Closing costs typically add thousands more — escrow, title insurance, lender fees, prepaids for taxes and insurance, and recording charges.

Your loan estimate and closing disclosure from NJV Financials or your chosen lender itemize these figures before you close.

Common line items

Earnest money is credited toward purchase at closing. Escrow and title fees vary by company and county. Prepaids fund initial insurance and property tax reserves in your impound account if you escrow taxes and insurance.

Some costs are negotiable between buyer and seller via contract — your agent explains customary splits in your local market.

Plan ahead

Maintain reserves after closing for movers, utilities, and immediate repairs. A licensed NJV Realty agent and loan officer help you map the full cash picture before you write offers.