The buyer chose LRT; I was told by my broker/agent that ""it is less money for all if it closes at the same title company."" Prior to closing, I was only shown the seller's half of the HUD-1. On the day of closing an additional three figure charge showed up for the first time as the seller's responsiblility; I was only allowed access to the buyer's side of the HUD-1 on the day of closing. The only thing the buyer was charged was one month's property insurance and one-half the Arkansas transfer tax (documentary stamps.) I was charged 100% of everything: the Title Search, the Title Exam, the Title Policy premium, the closing fee, the tax certification, the process/handling fees, the recording fees. The earnest money contract said the buyer and seller would each pay their respective closing costs (that certainly is not happened to me with LRT.) Furthermore, the closing was on Thursday and the buyer was given possesssion, but the payoff wire to my mortgage company was not transmitted until the following Monday. I was charged three additional days of interest.