The banks are now asking for the buyer to pay the excise tax which is normally the seller’s responsibility! They are also demanding that the buyer pay both the seller’s as well as the buyer’s title and escrow fees which can dramatically increase the downpayment needed to close a transaction. In some cases this is negotiable but as we see multiple offers more and more, the banks are taking advantage of this. And adding these costs to the price of the house can affect the appraisal. So Buyer Beware!