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There are a variety of services required to close a real estate transaction and some fees/closing costs that may apply. What is dictated by the traditions and practices in each area or what the parties mutually agree upon may differ from state to state and even county to county. Furthermore, FHA and VA loans may have certain requirements with regards to who pays for a specific fee or how much can be contributed. Finally, remember many items including who pays for what in a real estate contract are negotiable.