At the closing, the buyer will be credited for a number of costs that have been paid up-front (or will be paid after closing) as well as a number of prorated expenses that account for the period of time during which the seller occupied the house. All of the following items detailed in the closing costs involve credits that are commonly passed on to the buyer except:
A. hazard insurance premiums.
B. mortgage interest.
C. earnest money.
D. property taxes.

A. hazard insurance premiums.  

Explanation:

When someone buys a car, a house or other things will make the hazard insurance policy. This policy makes safe your house, car from fire, vandalism, and lightening. This is the way to protect yourself from future hazardous and loss. The premium insurance is rolled over the homeowner's insurance. A premium is called a regular payment that maintenance the coverage of a loan.  

Thus at the closing, the buyer has to credit for a number of the cost that has been paid for upfront. All the items closing cost involve credits that are commonly passed on to the buyer excepts hazardous premium insurance.

answer; /// i do believe the correct answer is ( a