Dave Myron contentfree

SFR Closing Costs by State — Buyer vs. Seller (% of Price)

Underwriting estimates for single-family residence (SFR) transactions, all 50 states + DC. Updated November 2026.

Each figure = a uniform base + that state's transfer and mortgage taxes. These are model outputs for quick underwriting, not survey data.

Buyer = 3.5% base + buyer-side taxes. Financed purchase at 80% loan-to-value (LTV). Base covers lender fees (~1%), lender's title and settlement (~0.6%), prepaids and escrows (~1.2%), plus cushion. Mortgage taxes are applied to the loan amount.
Seller = 7.3% base + seller-side taxes. Base is 6% total commissions (both sides) plus ~1.3% for title, settlement, prorations and concessions cushion.

	// WHO Reports: https://www.who.int/emergencies/diseases/novel-coronavirus-2019/situation-reports
	// Inspired by: https://twitter.com/paulg/status/1235247452145451013
	// Note: The growth rate does not seem sustainable.
	// The projected OoC infections assumes a constant doubling of roughly every 4 days.
	Date Projected-OoC-Infections WHO-Reported-OoC-Infections
	2020-02-29 5,629 6,009
	2020-03-01 6,755 7,169
	2020-03-02 8,106 8,774
	2020-03-03 9,727 10,565
	2020-03-04 11,673 12,669

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	namespace :jobs do
	desc <<-EOD
	Start delayed_job worker daemon. Requires passing start\|stop\|restart\|reload\|run\|zap\|status
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	1024 × 690 In landscape on iOS 4.3
	1024 × 672 In landscape on iOS 5
	768 × 946 In portrait on iOS 4.3
	768 × 928 In portrait on iOS 5

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	1024 × 644 Always showing bookmarks bar in landscape on iOS 5
	768 × 916 Always showing bookmarks bar in portrait on iOS 4.3

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	def compute_public_url( filename, dir, ext = filename.split('.').last )
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	#!/usr/bin/env ruby
	#
	# description: A startup script to automatically start workers for delayed_job
	APP_NAME = 'worker_startup_script'
	APP_DIR = '<%= @node[:delayed_job][:app_path] %>'
	DEFAULT_NUM_WORKERS = 4


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	cloud :web do
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	# The models
	class User < ActiveRecord::Base
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	end

	class Thing < ActiveRecord::Base
	belongs_to :user
	validates_presence_of :user_id
	validates_presence_of :name # For clarity below