加州买房，Escrow 费用到底谁出？
简单回答： 加州法律没有规定 escrow 费由谁支付。在南加州多数地区，买方和卖方通常各付一半，但各县习惯不完全一样；具体怎么分，以双方签署的购房合同为准。签合同前可以和经纪人、对方协商，写清楚即可。
Escrow 费是什么钱
Escrow 公司在交易中是中立第三方：保管买方的购房款和卖方的产权文件，按合同条件逐项核对，等所有条件满足后，再同时完成资金交付和产权过户。Escrow 费就是这项服务的费用。
它不包括产权保险、贷款费用、录契费、过户税等其他项目，这些会在结算单（closing statement）上分别列出。
常见分摊方式
- 买卖过户（Purchase）： 南加州多数地区买卖双方各付一半。北加州各县的习惯不太一样，分摊比例可能不同，所以跨区买卖时要特别注意看合同。合同里选 Both 又没有另行约定的话，就是平分。
- 再融资（Refinance）和现金套现（Cash Out）： 没有卖方，费用由借款的屋主承担。
- 全现金购房： 分摊方式和有贷款的买卖相同，仍按合同约定。
一笔 100 万美元交易的算法
Vantage Escrow 的买卖过户收费是每 $1,000 房价收 $2.25，再加 $250。买方和卖方各自按这个标准计算。
| 项目 | 买方 | 卖方 |
|---|---|---|
| 房价 | $1,000,000 | $1,000,000 |
| 按房价计算：1,000 × $2.25 | $2,250 | $2,250 |
| 加固定部分 | $250 | $250 |
| Escrow 费 | $2,500 | $2,500（可享 7 折优惠） |
再融资和现金套现是固定 $750，与贷款金额无关。商业物业、1031 交换等交易需按情况报价。
签合同前要确认的三件事
- 合同里 escrow 费的分摊方式写的是什么，是否和经纪人口头说的一致。
- 哪家 escrow 公司办理。加州购房合同里通常可以约定由哪一方选择 escrow 公司。
- 除 escrow 费外，自己还要承担哪些结算费用，可以请 escrow 公司提前给一份估算。
有具体交易想先算一算，可以致电 (714) 470-0170 或加微信 jly54301，普通话、粤语、英文都可以沟通。
常见问题
没有规定。由买卖双方在购房合同里约定，南加州多数地区常见做法是各付一半。
再融资没有卖方，由借款的屋主支付。Vantage Escrow 的再融资和现金套现收费是固定 $750。
按 Vantage Escrow 的收费，买方支付 $1,000,000 × 每千元 $2.25 + $250 = $2,500；卖方同样是 $2,500，但可享 7 折优惠。产权保险、录契费等另计。
Who Pays Escrow Fees in California?
Short answer: California law does not say who pays the escrow fee. In most of Southern California the buyer and seller usually split it, but custom varies from county to county, and the purchase contract has the final word. It can be negotiated before signing.
What the escrow fee covers
The escrow company is the neutral third party. It holds the buyer's funds and the seller's deed, checks each contract condition, and releases money and title at the same time once everything is met. The escrow fee pays for that service.
Title insurance, lender fees, recording fees and transfer taxes are separate line items on the closing statement.
Common practice
- Purchase: in most of Southern California the buyer and seller each pay their share. Custom in Northern California counties varies and the split may differ, so read the contract carefully on cross-region deals. If the contract checks "Both" with no other terms, the fee is split.
- Refinance and cash-out refinance: there is no seller, so the borrowing homeowner pays.
- All-cash purchase: split the same way as a financed purchase, per the contract.
Example: a $1,000,000 sale
Vantage Escrow charges $2.25 per $1,000 of the price plus $250 for purchase escrow. The buyer and the seller are each charged on this basis.
| Item | Buyer | Seller |
|---|---|---|
| Price | $1,000,000 | $1,000,000 |
| 1,000 × $2.25 | $2,250 | $2,250 |
| Base fee | $250 | $250 |
| Escrow fee | $2,500 | $2,500 (30% seller discount available) |
Refinance and cash-out escrow are a flat $750 regardless of loan amount. Commercial and 1031 exchange transactions are quoted case by case.
Three things to confirm before signing
- How the contract splits the escrow fee, and whether that matches what your agent told you.
- Which escrow company will handle the deal. California purchase contracts usually say which side chooses it.
- What other closing costs you will pay besides escrow. The escrow company can give you an estimate in advance.
Questions about a specific deal: call (714) 470-0170 or WeChat jly54301. Mandarin, Cantonese and English.
FAQ
No. The buyer and seller agree on it in the purchase contract; in most of Southern California they usually split it.
The homeowner who is refinancing. Vantage Escrow charges a flat $750 for refinance and cash-out escrow.
At Vantage Escrow's rate the buyer pays $2,250 plus $250, or $2,500. The seller is also charged $2,500 but may qualify for a 30% discount. Title insurance and recording fees are separate.