Costs above and beyond the sale and purchase of real estate that are paid by the sellers and buyers to affect the closing of a mortgage loan and real state transaction. Usual distribution for responsibility between Buyer and Seller as follows:1. Buyer – prepaid items, origination or placement fee (1%), transfer or assumption fee (1-2%), survey, recording of deed, 2. Seller – real estate commission, prepayment penalty, stamp or transfer tax 3. Buyer and Seller – attorney fees 4. Responsibility for title expenses determined by geographic areas or by local custom.