The method of dividing the charges for the services performed through the closing or as a result of closing varies from place to place. The fees and service charges to be divided might include, for example, the title insurance policy premium, closing fee, any transfer taxes, recordation fees and cost in connection with any loan being obtained. Unless there is some special agreement between the buyer and seller as to how these charges are to be paid, local custom will generally be followed in drafting the instructions to the escrow holder as to how they are to be divided