When a purchaser buys a home their are other costs (often called closing costs) that they will incur outside of their down payment, hazard Insurance, taxes, etc. One can usually guess the closing costs will equal approximately 3% of the sale price of the home. So, if the purchase price is $300,000 and the purchaser puts 10% down, they would need $30,000 plus about $9,000 in closing costs. One way to reduce the $9,000 is to ask the attorney who is handling the paperwork to shop for the best rate in title insurance. The savings could be in the 100’s of dollars. When shopping for the best rate, make sure you are getting owners and lenders coverage and in most cases you want the title insurance to be enhanced.