Which of the following closing costs will Gina pay when buying a condo in Tybee Island unless otherwise negotiated?

When purchasing a property in Georgia, certain closing costs are typically allocated to the buyer unless otherwise negotiated. The intangible tax is a fee assessed on the transfer of property and is typically the responsibility of the buyer. This tax is calculated based on the mortgage amount when financing the purchase.

In contrast, the other options can vary in responsibility based on agreements between the buyer and seller. For instance, an owner's title policy is often negotiated, and the seller may agree to cover this cost. Satisfaction of liens would generally pertain more to the seller's obligations to clear any existing claims on the property before the sale can proceed. Transfer tax, while often associated with the buyer, can also be a point of negotiation and is not always paid solely by them.

Thus, the intangible tax stands out as a closing cost that Gina would typically be responsible for unless she successfully negotiates otherwise. This understanding of closing costs is crucial for anyone involved in real estate transactions in Georgia.