The Will Johnson Team
The Will Johnson Team
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Free buyer cheat sheet

Nashville Closing Cost Cheat Sheet

Exactly what you pay at closing in Middle Tennessee — line by line, by loan type. No surprises on closing day.

  • Every line item Tennessee buyers pay at closing — explained
  • FHA vs. conventional vs. VA closing cost differences
  • What's actually negotiable (and what isn't)
  • Real-dollar example for a $400K Middle Tennessee purchase
  • Common surprises that catch first-time buyers off guard
  • How to ask the seller for closing cost help (and when it works)
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Nashville Closing Cost Cheat Sheet

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What's inside the guide

Lender + loan-related fees

  • Origination fee
  • Discount points (when worth it)
  • Underwriting + processing fees
  • Appraisal fee
  • Credit report
  • Mortgage insurance (FHA, VA funding fee, conventional PMI)

Title + escrow

  • Title insurance (owner's + lender's)
  • Escrow fee
  • Recording fees
  • Survey (when applicable)

Prepaids + reserves

  • Property tax escrow
  • Homeowner's insurance
  • Mortgage interest (per diem)
  • HOA dues / transfer fee

Built by The Will Johnson Team — Nashville-area real estate. We publish honest playbooks because integrity is the moat. The $499 broker fee is disclosed in every agreement. Every agreement has a 24-hour kickout. We earn the relationship weekly.

About the team