When you sell to us, we pay the closing costs. Your liens are paid off from the sale at closing.
A lien is a legal claim that can affect a property or the amount due at closing. A payoff is the current amount and instructions from the creditor or tax office. A recorded document or an older tax bill can help identify the issue, but the responsible office or creditor confirms the current figure for the sale.
Closing costs are separate from your mortgage balance, liens, back taxes, and share of current property taxes. Those items are addressed in the sale figures; the current amounts come from the responsible creditor or office.