When you sell to us, we pay the closing costs. Your liens are paid off from the sale at closing.
The creditor or tax office provides the current payoff amount and instructions. The title company checks ownership and recorded claims for the sale, then works with the responsible office or creditor on the payoff details used at closing. Back taxes, liens, and mortgage balances are separate payoffs, not closing costs.
You can call before you have everything assembled. A notice, recent statement, or the property address is enough to start the conversation; the office or creditor confirms the current figures.