Escrow & Title
At a Minnesota closing, a Closing Disclosure shows the buyer's cash to close. Which items are NOT typically included in the buyer's cash to close?
ADown payment minus earnest money already paid
BPrepaid interest and homeowner's insurance
CThe seller's real estate commission✓ Correct
DRecording fees and title insurance
Explanation
The seller's real estate commission is the seller's closing cost, not the buyer's. The buyer's cash to close includes: down payment (minus earnest money already paid), lender fees, title insurance, prepaid interest, escrow reserves, and other buyer closing costs. Commission is debited to the seller on the closing statement, reducing the seller's net proceeds.
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