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What are government recording charges for a mortgage?

Answer:

Government recording charges are fees assessed by state and local government agencies for legally recording your deed, mortgage and documents related to your home loan. 

Either a buyer or a seller may pay these fees. These charges are listed in section E on page 2 of your Loan Estimate (and section E on page 2 of your Closing Disclosure). The sum of these charges and certain other settlement services generally cannot increase by more than 10 percent in total at closing.

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