请各位地主看看

来源: puma_bill 于 2019-06-06 16:16:34 [档案] [博客] [旧帖] [给我悄悄话] 本文已被阅读：次 (33945 bytes)

请各位地主看看：

通常所谓的LENDER 的CLOSING FEE 是指以下其中的什么费用，一共是多少？以下的收费合理吗？SHOP AROUND 过程中要注意什么? 第一次买房，一切都不懂。谢谢。

Pre-Application Worksheet

Loan Number: COH1906068				Date: 6-6-19
Borrower(s):				Lender: Mortgage Services
Property Address: tbd Guilderland, NY12084				Loan Product: Fixed Rate
Loan Amount: $228,000.00		Interest Rate: 3.750%		Appraised Value: $380,000			LTV: 60.000%
Loan Type: Conventional		Amortization: Fixed		Term: 360 months			APR: 3.805%
Estimated Monthly Payment Principal & Interest: $1,055.90 Other/Secondary Financing (P & I): $ Hazard Insurance: $ Real Estate Taxes: $ Mortgage Insurance: $ Flood Insurance: $ HOA Dues: $ USDA Annual Monthly Fee: $ Total Monthly Payment: $1,055.90				Additional Loan Features Interest Only: N Interest Only Mths. Balloon: N Balloon Due // 1st Adj. Cap % 1st Change Mths. Margin: % Index: % Life Cap:% Floor:%
Origination Charges
Loan Origination Fee:	$				$
Application Fee	$175.00				$
Processing Fee	$				$
Underwriting Fee	$				$
Administration Fee	$				$
	$				$
Commitment Fee	$295.00		Prepaids
	$		Daily Int. 15 days @ $23.42 $351.30
	$		Mortgage Ins. Premium		$
Insurance Service Fee	$63.00		Homeowner’s Insurance		$900.00
Rate Lock Deposit	$		Property Taxes		$
	$		VA Funding Fee		$
	$		Flood Insurance		$
	$				$
	$				$
	$				$
Origination Credit:	$				$
Discount Points:	$				$
	$				$
Appraisal Fee	$400.00		Reserves (Escrows)
Credit Report	$		Homeowner’s Ins mths. @ $75.00					$
Flood Cert	$		Mortgage Ins. mths. @ $					$
Tax Service Fee	$81.00		Property Taxes mths. @ $789.00					$
Rate Lock Deposit	$		City Property Tax mths. @					$
	$		Flood Insurance mths. @ $					$
	$		School Taxmths. @ $					$
Subordination Fee	$		Village Taxmths. @ $					$
	$		mths. @ $					$
	$		USDA @ $			$
	$		Aggregate Adjustment
	$		Title and Closing Fees
	$		Title Search		$
	$		Title Examination		$
	$		Title Endorsement Fee		$
	$		Reconveyance Fee		$
Appraisal Inspection Fee	$		CPL (Closing Protection Letter)		$
Appraisal Recert Fee	$				$
	$		Settlement Fee		$575.00
	$		Closing Fee		$
	$		Escrow Fee		$
	$				$
	$				$
Condo Questionnaire Fee	$				$
	$				$
	$				$
Courier Fee	$		Additional Settlement Charges
Title Insurance Binder	$		HOA Certification/Letter		$
Owner Title Insurance	$738.00		Survey Fee		$
Lenders Title Insurance	$1,417.00		FHC Grant Homebuyer Education		$
Notary Fee	$		HDP Grant Homebuyer Education		$0.00
Survey Deletion/Waiver	$		Deed Prep		$
	$				$
	$				$
Recording and Transfer Fees					$
Recording Fees	$225.00		E&A		$125.00
Transfer Taxes	$		Short Sale Negotiations		$
City/County Tax Stamps	$2,280.00		Borrower - Attorney Fee		$
State Tax Stamps	$		Seller Reimbursement of taxes		$2,856.00
Intangible Tax	$				$
New Deed - Recording Fee	$				$
CEMA & 255 Affidavit	$
	$
	$

Estimated Funds Needed to Close
Purchase Price/Payoff:	$380,000.00	Loan Amount: Total Non-Borrower Paid Closing Costs: FHA UFMIP/VA Funding Fee Financed: Other: Other: Other: First Mortgage: Subordinate Financing/2nd Mtg: Closing Costs paid by B/L/A/O Closing Cost from First Lien: Total Credits:	$228,000.00 $ $ $ $ $ $ $ $ $ $228,000.00
Total Estimated Closing Costs:	$9,230.00
Total Est. Reserves/Prepaid costs:	$1,251.30
Discount Points:	$
FHA UFMIP/VA Funding Fee:	$
Total Costs:	$390,481.30
Cash [From] Borrower (total cost): $162,481.30