The example below is a real quote, not a marketing figure
It is produced by the same pricing engine the application uses, for a 2-party Illinois file with 1 lien and $218,400 of consideration — cash plus the debt taken subject to. Price book 2026.08.2. Quotes hold for 14 days because recording fees and tax rates change.
Professional fees
| Line item | Amount |
|---|---|
| Land trust package — trust formation, deed to trustee, assignment of beneficial interest, and the full subject-to document set | $1,095 |
| Subtotal | $1,095 |
Priced additions
Charged only where the deal calls for them.
| Addition | Amount |
|---|---|
| Seller carryback promissory note and security instrument | $375 |
| Expedited handling (5 business days) | $200 |
State and county pass-throughs
These are set by someone other than FAPG. They are collected as an estimate and reconciled against the actual charge — if the county charges less, the difference comes back.
| Line item | Estimate |
|---|---|
| Remote online notarization session Charged by the notary platform per signing session. Unused sessions are refunded. | $90 |
| County recording fees (county recorder) Estimated for 12 recordable page(s). Reconciled against the county's actual receipt and the difference refunded. | $90 |
| Illinois transfer / documentary tax State $0.50/$500 + county $0.25/$500 + often a municipal tax. Chicago adds a substantial transfer tax. Debt assumed is consideration. | $327.75 |
| Estimated pass-throughs | $507.75 |
| Total for this example | $1,602.75 |
Transfer tax is the line that surprises people
In several states, debt assumed counts as taxable consideration — which means a subject-to transfer is taxed on the balance of the loan you are taking over, not on the cash that changes hands. A Delaware file can carry a four-figure transfer tax. That is why it is a labelled estimate on your quote rather than something folded into a flat price, computed from the rules of the state your property is in.
When you are charged
The card is authorized at checkout and captured only when the file is accepted for preparation. If the counterparty never responds, or compliance declines the deal, the hold is released. Nothing was captured, so there is nothing to refund and nothing to dispute.
If the file does not complete
The refund schedule below is not a policy page written alongside the code. It is generated from the function that computes the refund, so the published policy and the enforced one cannot drift apart. Figures are for the example file above.
| What happened | Refunded | Retained |
|---|---|---|
| The other side never responded to the invitation The other party never completed their side. We retain 10% of service fees for the intake and jurisdiction work already performed and refund everything else, including all pass-through amounts. |
$1,493.25 | $109.50 |
| You cancel before the file reaches review Cancelled before review began. 15% of service fees retained; all pass-throughs refunded. |
$1,438.50 | $164.25 |
| You cancel while the file is in review Cancelled during review. 40% of service fees retained; all pass-throughs refunded. |
$1,164.75 | $438 |
| Compliance declines the deal We could not proceed for compliance reasons. Full refund — you should not pay for a deal we declined to do. |
$1,602.75 | $0 |
| You cancel after documents are generated Documents were drafted and reviewed. 75% of service fees retained; notary and recording pass-throughs refunded. |
$781.50 | $821.25 |
| You cancel after a document has been signed Documents were executed. Service fees are fully earned. Any unused notary or recording amounts are refunded once the file is reconciled. |
$0 | $1,095 |
Unspent pass-through money is always returned in full — recording fees never paid to a county were never FAPG's money to keep.