What you actually bring to closing.

Where these numbers come from

The title, recording and settlement figures are First American's own for Half Moon Bay, Santa Clara County. In this county the seller customarily pays the owner's title policy, the escrow sale fee and the documentary transfer tax — so none of those is on your side of the statement.

Mortgage tax and documentary stamps do not exist in California. If another calculator shows them, it is applying another state's rules.

Lender fees, the appraisal and impounds vary by lender. The figures above are typical, not quoted. Your Loan Estimate replaces them.

Buyer broker compensation starts at zero because in most sales here the seller still covers it. Since 2024 it can land on the buyer instead, so the field is there — put your number in and the total moves with it.

Custom is not law: every one of these is negotiable in the contract. This is an estimate to plan with, not a quote. The escrow officer's settlement statement is the real number, and Tim will go through it with you line by line.