With or without a realtor allocation of costs are generally defined on page 2 of the rpa. In a “standard” transaction a seller and buyer will split the cost of escrow. Seller will purchase title insurance for the buyer. Buyer will pay for his own closing costs. Seller will pay for a home warranty, an nhd report, clue report, all satutory costs, hoa docs if need, county transfer costs, termite inspection and repairs identified as section 1 on the report. Buyer pays for any additional reports or inspections including appraisals and physical inspection. I am probably missing lots of stuff as I am sitting here at the auction listening to about 200 postponements. You get the idea though. You can ask the seller for credits for clsing costs as well. Maybe he plays and maybe not.hope this helps
