It should always be done through Escrow with a Title report and full disclosures.

Full disclosure : I’m a geographer(GIS specialist) 40ish hours/week, so you can say that I tend to think about location , location , location.

@Luis Vaca HOA should be disclosed in Transfer Disclosure Statement which you should’ve received within a few days of getting in to contract also disclosed in MLS.

Something that stuck out to me was:"Should we consider rule changes that would allow non-accredited investors to participatein exempt offerings of all types, subject to conditions such as a limit on the size of theoffering, a limit on the amount each non-accredited investor could invest in each offering,across all offerings, or across all offerings of a certain type, a decision by the investor—after receiving disclosure about the risks—to opt into the offering, and/or specificdisclosure requirements?"

Now buyers are required to be given the final closing disclosure a week or two in advance which goes over all the numbers. 

Disclosure: I am a combo investor/Realtor.

She indicated to me the importance of the selling bank needing to know that this would be a "policy transfer" situation and had to agree to it before it could transpire, something about "full disclosure" laws that had to be met in order for KSBUCKEYES to realize the savings on the title work.

The Business recognizes that The Consultant has and will have the following information:- Prices- Costs- Future plans- Business affairsand other proprietary information (collectively, "Information") which are valuable, special and unique assets of the Seller and/or the Buyer and need to be protected from improper disclosure.

The settlement fee is usually split between parties but this is dictated by the wording in your purchase contract which the settlement agent will follow when preparing the preliminary closing diclosure/HUD.BTW this looks like an initial disclosure with estimated numbers.

All disclosures - I'm not an attorney nor insurance professional and you should consult yours, etc.