Your biggest “closing cost” will likely be the fees you pay to your lender. Those fees vary greatly from lender to lender and from one loan program to another. Most Canadians are paying all cash so, of course, they are paying no loan fees.

You will also pay for most or all of these: a home inspection, a termite inspection, an appraisal, an escrow fee, title insurance, a county recording fee, and if the home has a Homeowners Association (HOA) or Condominium Association. These will vary greatly from one HOA or Condo Association to another.

In addition, at closing you will pay for some future expenses in advance. These “pre-paids” may include property taxes, homeowners insurance and association fees.

You will have to pay either a title company or closing attorney to handle the closing.

To help offset the initial cost of the infrastructure of a resort like community, some neighborhoods have a Special Assessment or Community Development District Tax (CDD). These are additional fees that you may not pay on another property in another neighborhood. It is always wise to use a Realtor that specializes in the market you are considering.