CLOSING COSTS — WHAT YOU’RE REALLY PAYING FOR • Lender fees • Title & escrow services • Appraisal and underwriting • Government recording charges • Prepaid taxes and insurance Closing costs aren’t random — they’re transaction expenses tied to processing, protecting, and finalizing your loan. They typically range between 2%–5% of the purchase price, depending on loan type and structure. At The Onyx Group Mortgage, we break down every fee line-by-line so you know exactly where your money is going.