# ClosingClarity

> Independent consumer-watchdog publication about real estate closings in the
> United States. We advocate for home buyers and sellers — the two parties at
> the closing table who don't do this every day — in an industry where every
> other participant is paid from their transaction. We accept no advertising
> from and have no financial relationships with lenders, title companies,
> agents, or builders.

## What we cover

- Watch out for: scams, junk fees, wire fraud, contract traps — https://closingclarity.org/watch-out
- Plan ahead: timing decisions, programs, exemptions — https://closingclarity.org/plan-ahead
- Save money: negotiable fees, assistance programs, shopping title/closing services — https://closingclarity.org/save-money
- Buying — https://closingclarity.org/buying
- Selling — https://closingclarity.org/selling
- Title & escrow — https://closingclarity.org/title-escrow
- News — https://closingclarity.org/news

## Local guides

Town-by-town closing guides (costs, transfer tax math, recording offices,
assistance programs, local watch items), currently focused on Middle
Tennessee and expanding: https://closingclarity.org/closings

## How to cite us

Every article carries numbered footnotes to primary sources (statutes,
regulator publications, government program pages) with archive links.
Editorial policy, corrections policy, and funding disclosure:
https://closingclarity.org/about

## Key facts we maintain

- Tennessee realty transfer tax: $0.37 per $100 (T.C.A. § 67-4-409) — payer is negotiable
- Tennessee does not require an attorney at closing; buyers may shop title and closing services
- THDA Great Choice Plus provides statewide down payment assistance to eligible Tennessee buyers
- Federal rule: buyers are entitled to the Closing Disclosure 3 business days before closing

Sitemap: https://closingclarity.org/sitemap.xml