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de.fect is not remedied prior to closing, either party may terminate this contract on notice <br />and any deposit shall be refunded to Buyer, releasing both parties from further <br />obligations and liability hereunder. <br />11. PRORATIONS, CHARGES, AND CREDITS. <br />A. Buyer. Buyer shall be charged with the following costs, to be deducted by <br />the escrow agent from funds due Buyer, if any, or to be paid by Buyer <br />prior to transfer of title: <br />The cost for a title guaranty in the amount of the purchase price; <br />2. The cost of any conveyance fees and/or real estate transfer taxes <br />applicable to the property; <br />3. The costs of satisfying any taxes, assessments, liens or <br />encumbrances required to be discharged by this Agreement; <br />4. Preparation of the deed; <br />5. The amount of any prorations due Buyer under this Agreement; and <br />6. The cost of the location service or survey, including surveying and <br />preparing the legal description; <br />7. The cost of any special tax search; <br />8. The cost of any Owner's Policy of Title Insurance; <br />9. The costs incident to filing the deed and any mortgage(s) placed <br />upon the property; <br />10. The costs incident to the obtaining of financing, if any; and <br />11. The escrow fee. <br />B. Other Charges. Taxes and assessments, both general and special, shall <br />be prorated by the escrow agent as of the date of transfer based on the <br />last available tax duplicate. <br />12. TIME IS OF THE ESSENCE. Time is of the essence of this contract. If <br />Buyer shall default in the performance of any of the obligations imposed on Buyer by <br />4