The seller pays which of the following closing costs?

The owner's title insurance policy is typically a cost paid by the seller at closing. This insurance protects the buyer against any title defects that may arise after the purchase, ensuring that the buyer has a clear and marketable title to the property. Since this policy primarily benefits the buyer, it is common for sellers to cover this expense as part of the negotiation process.

In contrast, the home inspection cost is usually the responsibility of the buyer, who arranges for inspections to ensure the property's condition meets their expectations. The earnest money deposit is also paid by the buyer when making an offer on the property, serving as a show of good faith in the transaction. FHA discount points, which are fees paid to lower the mortgage interest rate, are generally associated with the buyer's financing and not typically covered by the seller. Therefore, the owner's title insurance policy is the correct answer as it reflects a common closing cost handled by the seller.