All lenders require that you have title insurance on the home. Title Search 1112 Most closing firms will require the title history on your loan to be reviewed before they can issue a new title policy. Government Recording Transfer Fees 1200 Fees paid by either the buyer or seller at the time the purchase agreement is executed. To create a public record of your legal ownership of the property, the lenders notify the county government to record the transaction. The recording fee, which varies by state, is paid to the county.
Most states stamp the deed rather then actually affixing a stamp.
Many localities collect a transfer tax whenever a property changes hands. Some collect a mortgage tax anytime a new mortgage is recorded. A grouping of other misc. Some states require a survey before the loan can be fully approved and cleared for closing. The actual cost is set by the title firm and has been estimated here.