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What costs does the buyer produce at closing?

  1. Unpaid liens and commission to the broker

  2. Mortgage prepayment penalties and survey fee

  3. Loan origination fee, title search, and more

  4. Transfer fee and unpaid balance on the mortgage

The correct answer is: Loan origination fee, title search, and more

Option A is incorrect because unpaid liens and commissions are costs incurred by the seller, not the buyer, at closing. Option B is incorrect because mortgage prepayment penalties and survey fees are costs specifically related to a mortgage and not incurred by every buyer at closing. Option D is incorrect because transfer fees and unpaid mortgage balances may not apply to every buyer and are dependent on multiple factors such as location and type of property. Option C is the most comprehensive and inclusive answer as it lists common costs that are typically incurred by the buyer at closing.