A lien is a claim that can affect the property or the money due at closing. A payoff is the current amount and instructions from the creditor or tax office to settle what is owed. An older bill or notice is a starting point; ask the office or creditor for the current balance and payment or release instructions.
When you sell to us, we pay the closing costs. Your liens are paid off from the sale at closing.
The title company checks ownership and recorded claims for the transaction. The creditor or tax office confirms its current amount and instructions. Closing costs are separate from mortgage balances, liens, back taxes, and your share of current property taxes; the written closing figures show the amounts being handled in the sale.