The specific amount of your closing costs will vary. 


Here are some reasons why the fees may change depending on your specific situation:


Appraisal fees, title charges, closing fees may all vary from county to county and also from lender to lender. To assist you in evaluating our fees, we've grouped them as follows: third party fees, taxes and other unavoidable costs, and lender fees.


Third Party Fees include:

  • Appraisal fee
  • Credit report fee
  • Settlement / closing fee
  • Survey fee
  • Tax service fee
  • Title insurance fee
  • Flood certification fees
  • Courier / mailing fees
  • Document Preparation

We collect any third-party fees and pass them on to the person who actually performed the service. For example, an appraiser is paid the appraisal fee, a credit bureau is paid the credit report fee, and a title company or an attorney is paid the title insurance fees.

Taxes and other unavoidable costs include:

  • State/Local Taxes and  
  • Recording fees

These fees will most likely have to be paid regardless of the lender you choose. If some lenders don't quote you fees that include taxes and other unavoidable fees, don't assume that you won't have to pay it. It probably means that the lender hasn't done the research necessary to provide accurate closing costs.

Our fees are typically much lower than what is charged by banks and other lenders.  

Apply by phone or at any branch  to get started with your H-E-B Federal Credit Union loan.