The property is officially transferred from the seller to you at "Closing" or "Funding".

該物業在 “結束” 或 “放款” 時正式從賣方轉讓給您。

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At closing, the ownership of the property is officially transferred from the seller to you. This may involve you, the seller, real estate agents, title or escrow firm representatives. 

成交時，房產的擁有權正式從賣方轉移給您。這可能涉及您、賣方、房地產經紀人、產權或託管公司代表。

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Most paperwork in closing or settlement is done by title or escrow firm representatives. You may or may not be involved in some of the closing activities; it depends on who you are working with.

大多數成交或和解的文書工作是由產權或託管公司代表完成的。您可能會也可能不會參與某些成交活動；這取決於你和誰一起工作。

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Prior to closing you should have a final inspection, or "walk-through" to insure requested repairs were performed, and items agreed to remain with the house are there such as drapes, lighting fixtures, etc.  

在關閉之前，您應該進行最終檢查或“看屋”以確保進行了要求的維修，並且同意留在房屋中的物品如窗簾、照明設備等在那裡。

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settlement is completed by a title or escrow firm in which you forward all materials and information plus the appropriate cashier's checks so the firm can make the necessary disbursement. Your representative will give the keys to you.  結算由所有權或託管公司完成，您可以在其中轉發所有材料和信息以及適當的銀行票據，以便公司進行必要的支付。您的代表會將鑰匙交給您。

These are expenses you have to pay to state and local agencies, even if you paid cash for the house and didn't need a mortgage:

這些是您必須支付給州和地方機構的費用，即使您為房子支付了現金並且不需要抵押的情況下：

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Transfer Taxes – Required by some localities to transfer the title and deed from the seller to the buyer.

轉讓稅 - 某些地方要求將所有權和契約從賣方轉讓給買方。

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Deed Recording Fees – To pay for the County Clerk to record the deed and mortgage, and to change the property tax billing.

契約記錄費 – 支付縣書記員記錄契約和抵押的費用，以及更改財產稅賬單。

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Pro-Rated Taxes – Such as school taxes and municipal taxes may need to be split between the buyer and the seller since they are due at different times of the year. For example, if taxes are due in October and you close in August, you would owe taxes for 2-months, and the seller would owe for the other 10-months. Pro-rated taxes are usually paid based on the number of days, not months of ownership. Some lenders may require you to set up an escrow account to cover these bills. If not, you may want to set one up yourself to insure the funds are set aside for these important expenses.

按比例繳納的稅費——例如學校稅和市政稅，可能需要在買賣雙方之間分攤，因為它們在一年中的不同時間到期。例如，如果稅款在 10 月到期，而您在 8 月關閉，您將欠稅 2 個月，賣家將欠其他 10 個月的稅款。按比例繳納的稅款通常基於天數，而不是擁有的月數。一些貸方可能會要求您設立一個託管賬戶來支付這些賬單。如果沒有，您可能需要自己設置一個，以確保為這些重要費用預留資金。

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State & Local Fees – Other state and local mortgage taxes and fees may apply.

州和地方費用——其他州和地方抵押貸款稅費可能適用。

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There may be expenses paid to others like inspectors or insurance firms, even if you paid cash for the property:

即使您為房產支付了現金，也可能會向檢查員或保險公司等其他人支付費用：

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Title Search Costs – Usually your attorney will perform or will arrange for the title search to ensure there are no obstacles such as liens or lawsuits regarding the property. Or you may work with a title company to verify a clear property title.

產權搜索費用——通常您的律師會執行或安排產權搜索，以確保沒有任何障礙，例如與財產有關的留置權或訴訟。或者您可以與產權公司合作以驗證明確的產權。

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Homeowner's Insurance – Most lenders require you prepay the first year's premium for homeowners insurance, sometimes called hazard insurance, and must show proof of payment at the closing. This insures that the investment will be secured even if the property is destroyed.

房主保險——大多數貸方要求您預付房主保險（有時稱為危險保險）的第一年保費，並且必須在交割時出示付款證明。這確保即使財產被毀壞也能保証投資的安全。

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Real Estate Agent's Sales Commission – The seller pays the real estate agent's commission, and if one agent lists the property and another sells it, the commission is usually split. The commission is negotiable between the seller and the agent.

房地產經紀人的銷售佣金——賣方支付房地產經紀人的佣金，如果一個經紀人列出了房產而另一個經紀人出售，佣金通常是分開的。佣金可在賣方和代理人之間協商。

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Most people associate closing costs with finance charges levied by mortgage lenders. The charges you pay will vary among lenders, so it’s good to shop around for the best combination of mortgage terms and closing, or settlement costs 

大多數人將關閉成本與抵押貸款機構收取的融資費用聯繫起來。您支付的費用因貸款方而異，因此最好貨比三家，以尋找抵押條款和成交或結算成本的最佳組合 :

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Origination Fee – For processing the mortgage application there may be a flat fee, or a percentage of the mortgage loan.  

初始費用 - 處理抵押貸款申請可能需要支付固定費用或抵押貸款的一定比例。

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Credit Report – Most lenders require a credit report on you and your spouse, or an equity partner. This fee is often a part of the origination fee.  

信用報告 - 大多數貸方需要您和您的配偶或股權合夥人的信用報告。該費用通常是發起費用的一部分。

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Points – One point is equal to 1% of the amount borrowed and can be payable when the loan is approved either before or at closing. Some lenders will let you finance points which will add to the mortgage cost. If you pay the points up front they are tax deductible in the year they are paid. Different deductibility rules apply to second home loans.

點子 - 1 點子等於借款金額的 1%，可以在貸款獲得批准之前或關閉時支付。一些貸方會讓您融資點子，這會增加抵押貸款成本。如果您預先支付點子，則在支付的當年可以免稅。不同的扣除規則適用於第二套房貸。

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Document Preparation Fees – There are several documents and papers prepared during the home-buying process ranging from the application to the closing. Lenders may charge for this, or the fees may be included in the application fees.  

文件準備費 - 在從申請到成交的購房過程中，需要準備一些文件和文件。貸方可能會為此收取費用，或者費用可能包含在申請費中。

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Appraisals – Professional Appraisers can do a comparison of the value of the property to that of other recently sold neighborhood properties. Lenders want to be sure the property is worth the value of the mortgage loan.

估價 - 專業估價師可以將房產的價值與其他最近出售的鄰里房產的價值進行比較。貸方希望確保該物業的價值相當於抵押貸款的價值。

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Lender's Mortgage Insurance – If your down payment is 20% or less, many lenders require that you purchase Private Mortgage Insurance (PMI) for the loan amount. If you should default on your loan, the lender will recover their money. These insurance premiums will continue until your principal payments, plus the down payment equal 20% of the selling price and may continue for the life of the loan. The premiums are usually added to any amount you must escrow for taxes and homeowner's insurance.

貸款人抵押貸款保險——如果您的首付為 20% 或更少，許多貸款人會要求您為貸款金額購買私人抵押貸款保險 (PMI)。如果您拖欠貸款，貸方將收回他們的錢。這些保險費將一直持續到您支付本金，加上相當於售價 20% 的首付，並且可能會持續到貸款期限。保費通常會添加到您必須為稅收和房主保險託管的任何金額中。

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Lender's Title Insurance – Even with a title search for any property obstacles, liens or lawsuits, many lenders require insurance to protect their mortgage investment. This is a 1-time insurance premium usually paid at closing, and is for the lender only, not the homebuyer.

貸款人產權保險 - 即使產權搜索是針對任何財產障礙、留置權或訴訟，許多貸款人仍需要保險來保護他們的抵押貸款投資。這是通常在成交時支付的一次性保險費，僅適用於貸方，而非購房者。

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Inspections Required by Lenders – The lender may require a Termite Inspection if you apply for an FHA or a VA mortgage loan. In many rural areas a water test may be required to ensure the well and water system will maintain an adequate water supply to the house; for quantity not quality. Depending on the sales contract and property type, additional inspections may be required.

貸方要求的檢查 - 如果您申請 FHA 或 VA 抵押貸款，貸方可能會要求進行白蟻檢查。在許多農村地區，可能需要進行水測試，以確保水井和供水系統能夠為房屋提供充足的供水；為了數量而不是質量。根據銷售合同和物業類型，可能需要額外檢查。

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Prepaid Interest – The first regular mortgage payment is usually due from 6-8 weeks from closings; however, interest costs begin at closing time. The lender will calculate the interest owed for that period of time, and that fraction of interest is sometimes due at closing.

預付利息 - 第一筆定期抵押貸款通常在關閉後 6-8 週內到期；但是，利息成本從關閉時間開始。貸方將計算那段時間所欠的利息，而這部分利息有時會在收盤時到期。

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Escrow Account – Lenders often require that you set-up an Escrow Account, where you will make monthly payments to, for taxes, homeowner's insurance, and sometimes PMI (Private Mortgage Insurance). The amount placed in this account at closing depends on when property taxes are due and the timing of the settlement transaction. The lender can give you a cost approximation during the application process of your mortgage loan.

託管賬戶 – 貸方通常要求您設置託管賬戶，您將在其中每月支付稅款、房主保險，有時還包括 PMI（私人抵押貸款保險）。結算時存入此帳戶的金額取決於財產稅的到期時間和結算交易的時間。貸方可以在您的抵押貸款申請過程中為您提供成本近似值。

The major portion of other up-front expenses is the deposit or binder you make at the time of the purchase offer, the remaining cash down payment you make at closing, or can include 其他前期費用的主要部分是您在購買要約時支付的定金或活頁夾、您在成交時支付的剩餘現金首付款，或者可以包括:

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Inspections – Lenders may require inspections, and you can make your purchase offer contingent based on satisfactory completion of some other inspections such as structural, water quality tests, septic, termite, roof and radon tests. You and the seller can negotiate these inspection fees.

檢查 – 貸方可能需要檢查，您可以根據其他一些檢查（如結構、水質測試、化糞池、白蟻、屋頂和氡測試）的圓滿完成情況來決定您的購買報價。您和賣家可以協商這些檢驗費用。

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Owner's Title Insurance – You may want to purchase title insurance in case of unforeseen problems so you're not left owing a mortgage on property you no longer own. A thorough title search ensures a clear title.

業主產權保險 - 您可能需要購買產權保險以防出現不可預見的問題，這樣您就不會因不再擁有的財產而欠下抵押貸款。徹底的標題搜索確保標題清晰

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Appraisal Fees – You may want to hire an Appraiser either before you sign a purchase offer, or after reviewing the lender's appraisal report.

評估費用 - 您可能希望在簽署購買要約之前或在查看貸方的評估報告之後聘請評估師。

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Money to the Seller – You'll need to pay for items in the house you want that were not negotiated in the purchase offer such as appliances, light fixtures, drapes, lawn furniture, or fuel oil and propane left in tanks.

給賣家的錢 - 您需要為房屋中未在購買報價中協商的物品付款，例如電器、燈具、窗簾、草坪家具或留在油箱中的燃油和丙烷。

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Moving Expenses – If you are changing jobs, your new employer may pay for your relocation, otherwise you must figure in the moving costs such as truck rentals, professional movers, cash for utility deposits like telephone, cable, electricity, etc.

搬家費用 - 如果您要換工作，您的新雇主可能會支付您的搬遷費用，否則您必須計算搬家費用，例如卡車租賃、專業搬運工、電話、電纜、電力等公用事業押金的現金。

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Escrow Account Funds – In the purchase offer, you can request that the seller set up an Escrow Account to defray any costs for major cleanup, radon mitigation procedures, house painting, appliance repairs, etc. Depending on the purchase offer contract and contingency clauses, you may discover that you have expenses upon moving in.

託管賬戶資金 - 在購買報價中，您可以要求賣方設立託管賬戶以支付重大清理、氡氣緩解程序、房屋粉刷、設備維修等的任何費用。 根據購買報價合同和應急條款，您可能會發現搬入時有費用。

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Example: Your purchase offer contract has a clause making the purchase contingent on a satisfactory structural inspection, and it’s determined that the house needs a new roof. You can negotiate to have the seller arrange for the work to be done but, this will delay the closing date. You may have to agree to a higher price for house, or to pay some of the new roof repair expenses. Or you and the seller may split the cost using estimates from a contractor of your choice, and each of you will put funds into an Escrow Account. Or, the seller may be willing to reduce the sale price of the house, but either way cash will be needed for the new roof.

示例：您的購買報價合同有一項條款，該條款規定購買取決於滿意的結構檢查，並確定房屋需要新屋頂。您可以協商讓賣方​​安排完成工作，但這會延遲交割日期。您可能不得不同意更高的房屋價格，或支付一些新屋頂維修費用。或者您和賣家可以使用您選擇的承包商的估算來分攤成本，並且你們每個人都將把資金存入一個託管賬戶。或者，賣方可能願意降低房屋的售價，但無論哪種方式，新屋頂都需要現金。

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Time Investment – One often overlooks major up-front costs in buying a home. The time and expenses invested in house-hunting, which can take up to 4-months, plus the time spent searching for the best mortgage for you, the right real estate agent, an attorney, and other related things that take up your valuable time.

時間投資 - 人們往往會忽視購買房屋的主要前期成本。花在找房子上的時間和費用，可能需要長達4個月，加上為您尋找最適合您的抵押貸款、合適的房地產經紀人、律師以及其他佔用您寶貴時間的相關事情所花費的時間.

The Real Estate Settlement Procedures Act (RESPA) contains information regarding the settlement or closing costs you are likely to face. Within 3-days from the time of your mortgage application, your lender is required to provide you a "good faith estimate of settlement costs" (GFE) based on their understanding of your purchase contract. This estimate will indicate how much cash you will need at closing to cover prorated taxes, first month's interest, and other settlement costs.

RESPA requires lenders to give you an information booklet about settlement costs, written by the U.S. Department of Housing & Urban Development which address how to negotiate a sales contract, ways to work with professionals like attorneys, real estate agents, lenders, etc, and your given rights as a home buyer. It gives an example of the Uniform Settlement Statement used at your closing. You are entitled to see a copy of the statement 1-business day prior to closing indicating your final costs.

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《房地產結算程序法》(RESPA) 包含有關您可能面臨的結算或成交成本的信息。在您申請抵押貸款後的 3 天內，您的貸方必鬚根據他們對您的購買合同的理解，向您提供“結算成本的誠意估計”(GFE)。該估算將表明您在交易結束時需要多少現金來支付按比例分配的稅款、第一個月的利息和其他結算費用。 RESPA 要求貸方向您提供由美國住房和城市發展部編寫的有關結算成本的信息手冊，其中說明如何談判銷售合同、與律師、房地產經紀人、貸方等專業人士合作的方式，以及您的給予購房者的權利。它提供了在您結束交易時使用的統一結算聲明的示例。您有權在交易結束前 1 個工作日看到一份說明您的最終費用的報表副本。