Buyers generally are responsible for all but which of these closing expenses?

In a typical real estate transaction, buyers often take on a variety of closing expenses that are associated with securing a mortgage and transferring property ownership. Among these, the land survey is often a cost that the seller may cover or that is negotiated during the closing process. This is because land surveys are generally conducted to confirm property boundaries or identify any encroachments, which can be areas of concern for sellers, particularly if there are discrepancies. Therefore, it is reasonable that the responsibility for a land survey might not fall directly on the buyer.

On the other hand, title insurance, escrow fees, and mortgage origination fees are more commonly the responsibility of the buyer. Title insurance provides protection against any title issues that could arise after the purchase, while escrow fees relate to the services of the escrow agent who facilitates the closing process. Mortgage origination fees are charged by lenders for processing the loan application and can also be absorbed into the buyer's closing costs.

Thus, while buyers typically assume many closing expenses, the land survey is often treated differently, depending on the negotiations and agreements made during the transaction.