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A kitchen with a large island , sink , table and chairs.
By Jacqueline Gage 19 Mar, 2024
Looking to buy a home? Here are five essential tips for making the process as smooth as possible.
A woman is standing in front of a house with a sign that says listen up.
By Jacqueline Gage 19 Mar, 2024
Are you looking to buy a new house, but still need to sell your current home first? It might seem tricky—or risky—to do both at the same time, but with the right guidance, it’s definitely doable. On this episode of Sac N Gaged, I’m going to share a special Gage Group Home Buying Tip on what not to do if you’re faced with buying and selling a home at the same time. We’ll let you in on 2 secret strategies that will help you find your home before someone else snags it, all while avoiding dangerous pitfalls that could leave you homeless.
A woman is standing in front of a white house.
By Jacqueline Gage 19 Mar, 2024
 LISTING VIDEO: SIERRA OAKS  
A woman in a pink dress is standing in front of a house.
By Jacqueline Gage 19 Mar, 2024
467 Crocker Rd, Sacramento, CA 95864 This Classic East Sac Charmer is fully remolded with modern amenities, while still staying true to the original charm of the 50’s. The huge picturesque window in the family room provides ample natural light while creating a spacious feel. The kitchen has quartz counter tops, refinished cabinets, stainless steel…
A living room with a couch , chairs , and a coffee table.
By Jacqueline Gage 19 Mar, 2024
606 Dante Cir. Roseville, CA 95678 Beautiful townhouse in Campania. Great room concept with spacious living area & an abundance of natural light. The kitchen has stainless steel appliances and an open concept, rich dark laminate floors downstairs, and upstairs laundry. This home features two master suites upstairs with double sinks and walk in closets.…
A woman in a blue shirt is standing in front of a white house.
By Jacqueline Gage 19 Mar, 2024
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A woman in a yellow dress is standing in front of a house.
By Jacqueline Gage 19 Mar, 2024
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A woman in a blue dress is standing in front of a brick wall.
By Jacqueline Gage 19 Mar, 2024
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A house with a driveway and a tree in front of it.
By Jacqueline Gage 19 Mar, 2024
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A video of a house with a large lawn in front of it.
By Jacqueline Gage 18 May, 2022
4 BED 2 BATh 2225 SQFT Rare 2 story Streng home designed by architect Carter Sparks comes to the market for the first time! This mid century modern home is situated in the beautiful Wilhaggin Area just walking distance to the American River and the bike trails. The updated kitchen has a large island with…
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DON’T BE CAUGHT BY SURPRISE WITH BUYER CLOSING COSTS

Jacqueline Gage | Mar 19, 2024

Buying a house is a very exciting time, but has your agent or lender showed you the closing costs associated with your purchase? Buying a home without knowing how much you’ll pay in closing costs is like painting your house without knowing the color: if it’s not what you expected or wanted, you can be in for an unpleasant surprise. In order to make a smart investment, you need to arm yourself with the right information, and this week’s Gage Group Home Buying Tips will help you do exactly that! By breaking down all the closing costs incurred when buying a home, I’ll make sure you’re well equipped to make the right decision and avoid any unnecessary stress.


It’s important to make sure you get the right information from your real estate agent, and details about closing costs will be very important to your overall transaction. The closing costs come as an addition to your down payment, and you’ll need an estimate to know the total amount of money needed to complete the sale. I’ve heard horror stories of buyers who’ve arrived on their closing day and didn’t know how much they needed to pay inclosing costs. These types of unexpected fees never go over well with uninformed buyers, so it’s important to anticipate these costs so you’ll be prepared for what’s needed.

  1. Home Inspection Costs. An inspection on the house you’ve agreed to purchase is extremely important, as you want to make sure everything is inworking order and there are no hidden issues that could become a nightmare for you later on. If there are any items revealed during the inspection that need attention, you can either ask the seller to give you a credit for necessary repairs or request they be repaired at their expense. An inspector’s fee will vary depending on who you hire and the size of the home, but you should budget between $400-$600.
  2. Lender Fees. The mortgage broker or lender you use will have closing costs, with fees related to the home appraisal, loan, mortgage insurance, and similar items. You should receive a Good Faith Estimate(GFE) that will estimate and outline your closing costs, and you’ll want to make sure you go over this with your lender. Ask questions now to make sure you don’t get surprised later. You’ll also want to keep in mind that, while no one really likes fees, many of these costs also benefit you directly. The appraisal fee, for example, ensures you’re not overpaying for your property and are actually getting what you pay for. While lender fees also vary, you shouldn expect to pay between $1,000-$2,000 in total.
  3. Title Fees. Your closing will be finalized at a title company, and their fees will be part of your closing costs. The title company is the place where the title/deed are transferred from one owner to the other, where all your money is wired in and where the transaction is closed. You should receive a title disclosure form that outlines the title company’s current rates; depending on the county you close in, these costs will depend on the purchase price of the house. FirstAmerican has a great fee calculator that you can check out to figure out your exact costs. While not required in California, some buyers hire an attorney to assist them in looking over closing documents; this will cost an additional $450-$700.
  4. Transfer Taxes. When you purchase a property, you’ll have to pay taxes at closing relating to the transfer of the home from one party tot he other. Each city has its own transfer tax rate, which you can easily look up to get an idea of what you’ll be paying. For example, Sacramento county’s transfer tax rate is $1.10 per $1,000: if you paid $400,000 for your new home, then your transfer tax fee would be $440. Certain areas of Sacramento have a transfer tax of .275% of the total purchase price, so make sure you know this cost ahead of time and you’ll have no additional surprises at the closing table.
  5. Your lender will be able to provide you with a Truth In Lending Act Disclosure, which will breakdown all of the closing costs with a fair amount of accuracy. Using this guideline, you’ll be better prepared for all of the expenses that you’ll need to account for when you buy a home. If you need any additional help or guidance on what to expect, don’t hesitate to reach out to me with any questions you may have!
A kitchen with a large island , sink , table and chairs.
By Jacqueline Gage 19 Mar, 2024
Looking to buy a home? Here are five essential tips for making the process as smooth as possible.
A woman is standing in front of a house with a sign that says listen up.
By Jacqueline Gage 19 Mar, 2024
Are you looking to buy a new house, but still need to sell your current home first? It might seem tricky—or risky—to do both at the same time, but with the right guidance, it’s definitely doable. On this episode of Sac N Gaged, I’m going to share a special Gage Group Home Buying Tip on what not to do if you’re faced with buying and selling a home at the same time. We’ll let you in on 2 secret strategies that will help you find your home before someone else snags it, all while avoiding dangerous pitfalls that could leave you homeless.
A woman is standing in front of a white house.
By Jacqueline Gage 19 Mar, 2024
 LISTING VIDEO: SIERRA OAKS  
A woman in a pink dress is standing in front of a house.
By Jacqueline Gage 19 Mar, 2024
467 Crocker Rd, Sacramento, CA 95864 This Classic East Sac Charmer is fully remolded with modern amenities, while still staying true to the original charm of the 50’s. The huge picturesque window in the family room provides ample natural light while creating a spacious feel. The kitchen has quartz counter tops, refinished cabinets, stainless steel…
A living room with a couch , chairs , and a coffee table.
By Jacqueline Gage 19 Mar, 2024
606 Dante Cir. Roseville, CA 95678 Beautiful townhouse in Campania. Great room concept with spacious living area & an abundance of natural light. The kitchen has stainless steel appliances and an open concept, rich dark laminate floors downstairs, and upstairs laundry. This home features two master suites upstairs with double sinks and walk in closets.…
A woman in a blue shirt is standing in front of a white house.
By Jacqueline Gage 19 Mar, 2024
1811 25th St. Sacramento, CA 95816 This is your chance to be in Sac’s hottest midtown neighborhood, R Street Corridor. Just steps away from the coolest restaurants, bars, coffee shops, local hot spots and light rail, this location provides an ease of living. Built in 2014 with contemporary stylish vibes and sleek modern finishes, such…
A woman in a yellow dress is standing in front of a house.
By Jacqueline Gage 19 Mar, 2024
5025 V St. Sacramento, CA 95817 Location Location Location! Don’t miss this opportunity to live in the tree lined streets of Elmhurst. Minutes away from Midtown, Downtown, Restaurants, UC Davis Medical Center plus easy access to freeway. This super cute home has refinished floors, remodeled kitchen with granite, central heat and air, RV access plus…
A woman in a blue dress is standing in front of a brick wall.
By Jacqueline Gage 19 Mar, 2024
5393 Hale Ct. Sacramento, CA 95819 Entertainers delight! This property is all about location. Located in a quite cul de sac in River Park right next to the American River you have prime river access to all the trails and not to mention Paradise Beach In your backyard! The home sits on a huge lot…
A house with a driveway and a tree in front of it.
By Jacqueline Gage 19 Mar, 2024
1200 7th Ave.,Sacramento, CA 95818 Welcome to 1200 7th ave, situated in the heart of the highly desirable Old Land Park this home is awaiting it’s new owners. The updated 3 bedroom 2 bath has an abundance of natural light, hardwood floors throughout the downstairs, a spacious open kitchen concept with quartz countertops, stainless steel…
A video of a house with a large lawn in front of it.
By Jacqueline Gage 18 May, 2022
4 BED 2 BATh 2225 SQFT Rare 2 story Streng home designed by architect Carter Sparks comes to the market for the first time! This mid century modern home is situated in the beautiful Wilhaggin Area just walking distance to the American River and the bike trails. The updated kitchen has a large island with…
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