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Originally Posted by howard555
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It doesn't vary at all -- if there is mortgage financing involved, the buyer is responsible for paying, no matter who is selling.
That doesn't mean that a FSBO seller can't pay towards a buyer's closing costs -- of which the appraisal may be a part. But more often than not, a buyer has to pay for an appraisal before closing -- banks generally won't order an appraisal unless the buyer pays for it upfront with a credit card.