When we bought our CYV resale we paid cash. There were no costs to us other than half the transfer tax. Our check to escrow was less than the contract price do to real estate tax proration. The seller paid commission and we asked the seller to pay for a home warranty in lieu of a home inspection. The seller was missing a post office key so the seller had to pay for the key. I can not recall if we had to pay for the gate cards, if we did it was after closing. If you require a loan you may pay some loan closing costs.
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