Fees
What escrow costs, before you open.
Our fee schedule is published here. Put in your price to see each line, and tap the question mark on any line to see why it is there.
Drag or type. Every line updates as you go.
Escrow fees
This is an estimate to help you plan. It is not a quote, a Loan Estimate, or a Closing Disclosure. Your actual figures depend on your contract, your lender and the title company, and on payoffs, prorations and county and city taxes.
What else to know about this estimate
Loan title policy: the buyer’s cost, quoted by the title company. Recording and lender charges appear on your closing statement. Our concierge service often covers the cost of the notary. Fees from the August 2025 fee sheet. Transfer tax rates as of September 24, 2026.
The published schedule
Every number the estimator uses.
From the August 2025 fee sheet. Transfer tax rates as of September 24, 2026.
Sale escrow, each side
| Base fee | $300 |
|---|---|
| Per $1,000 of the price, up to $2,000,000 | $2.15 |
| Per $1,000 of the price above $2,000,000 | $1.75 |
| Loan processing, buyer with a loan | $500 |
Example: a $1,000,000 sale is $300 + 1,000 × $2.15 = $2,450 for each side.
Single-family refinance
| Up to $750,000 | $650 |
|---|---|
| $750,001 to $1,000,000 | $850 |
| $1,000,001 to $2,000,000 | $1,200 |
| Over $2,000,000 | Quoted |
| Processing | $200 |
Multi-family and commercial refinance
$95 plus $0.95 per $1,000 of the loan, on loans of $500,000 or more.
Seller add-ons
| Demand processing, per payoff | $30 |
|---|---|
| Grant deed processing | $50 |
| Tax form processing | $50 |
| Archive fee | $50 |
| HOA processing, per association | $50 |
Other services
| 1031 exchange processing | $250 |
|---|---|
| Subordination agreement | $50 |
| Solar transfer, per side | $100 |
| Document preparation, each (power of attorney, interspousal deed or additional deed) | $50 |
| Payoff of bills, each | $10 |
| Escrow for a second loan or HELOC only | $250 |
Our concierge service often covers the cost of the notary.
Who usually pays what
Local custom in Southern California. Your contract decides.
How much is the escrow fee for a sale?
Each side pays $300 plus $2.15 per $1,000 of the sale price. On any part of the price above $2,000,000, the rate is $1.75 per $1,000. On a $1,000,000 home, the fee is $2,450 for each side.
What other charges might I see from Advantage One?
A buyer with a loan pays a $500 loan processing fee. Sellers may see small flat charges, such as $30 for each loan payoff and $50 for each homeowners association. Our published fee schedule lists each charge.
Who pays the county transfer tax?
In Orange County, the seller usually pays it, though your contract decides. The tax is $1.10 per $1,000 of the price everywhere in Orange County, including Huntington Beach. Some cities in other counties add their own tax.
Who pays for title insurance?
The owner’s policy is usually the seller’s cost, and the lender’s policy is the buyer’s. The title company sets both premiums, and your contract can change who pays.
What does a refinance escrow cost?
For a single-family home, it is one flat fee based on the loan amount: $650 up to $750,000, $850 up to $1,000,000 and $1,200 up to $2,000,000, plus $200 processing. Loans above $2,000,000 are quoted. Multi-family and commercial refinances are $95 plus $0.95 per $1,000 of the loan, with a $500,000 minimum.