Closing costs on a California conventional loan typically run in a broad range relative to the purchase price, and the mix of who pays what is shaped by local custom as much as by the loan itself.

Where the money actually goes

• Lender fees — origination, underwriting, and points if you choose to buy down your rate.
• Title and escrow — California widely uses escrow companies to handle the closing process, and title insurance is standard.
• Prepaid items — the first months of property tax and insurance, plus prepaid interest, collected into escrow at closing.
• Recording and transfer taxes — county and sometimes city-level transfer taxes apply on top of state requirements.

Who customarily pays what

In much of California it's common for the seller to pay for owner's title insurance and split escrow fees, though this is negotiable and varies by county and market conditions — always confirm with your agent and escrow officer for your specific transaction.

General information only, not a quote — request a Loan Estimate from your lender for exact figures.