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Most buyers focus solely on the purchase price, but closing costs can add thousands of dollars to the amount needed at the closing table. These costs often include lender fees, title insurance, attorney fees, prepaid taxes, and escrow items — and many people assume they’re fixed. They’re not. Depending on the market, buyers may be able to negotiate seller credits, request concessions during inspections, or take advantage of lender incentives to reduce out-of-pocket expenses. Knowing when to ask
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