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 |
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Borrower(s):
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Lender:
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Property Address: tbd Guilderland, NY12084 |
Loan Product: Fixed Rate |
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Loan Amount: $228,000.00 |
Interest Rate: 3.750% |
Appraised |
LTV: 60.000% |
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Loan Type: Conventional |
Amortization: Fixed
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Term: 360 months |
APR: 3.805% |
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Estimated Monthly Payment Principal & Interest: $1,055.90 Flood Insurance: $ USDA Annual Monthly Fee: $ |
Additional Loan Features
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Origination Charges |
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Loan Origination Fee: |
$ |
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$ |
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Application Fee |
$175.00 |
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$ |
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Processing Fee |
$ |
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$ |
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Underwriting Fee |
$ |
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$ |
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Administration Fee |
$ |
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$ |
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$ |
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$ |
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Commitment Fee |
$295.00 |
Prepaids |
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|
$ |
Daily Int. 15 days @ $23.42 $351.30 |
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$ |
Mortgage Ins. Premium |
$ |
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Insurance Service Fee |
$63.00 |
Homeowner’s Insurance |
$900.00 |
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Rate Lock Deposit |
$ |
Property Taxes |
$ |
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$ |
VA Funding Fee |
$ |
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$ |
Flood Insurance |
$ |
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$ |
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$ |
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$ |
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$ |
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$ |
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$ |
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Origination Credit: |
$ |
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$ |
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Discount Points: |
$ |
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$ |
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$ |
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$ |
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Appraisal Fee |
$400.00 |
Reserves (Escrows) |
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Credit Report |
$ |
Homeowner’s Ins mths. @ $75.00 |
$ |
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Flood Cert |
$ |
Mortgage Ins. mths. @ $ |
$ |
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Tax Service Fee |
$81.00 |
Property Taxes mths. @ $789.00 |
$ |
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Rate Lock Deposit |
$ |
City Property Tax mths. @ |
$ |
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|
$ |
Flood Insurance mths. @ $ |
$ |
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|
$ |
School Taxmths. @ $ |
$ |
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Subordination Fee |
$ |
Village Taxmths. @ $ |
$ |
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|
$ |
mths. @ $ |
$ |
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|
$ |
USDA @ $ |
$ |
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$ |
Aggregate Adjustment |
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$ |
Title and Closing Fees |
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$ |
Title Search |
$ |
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|
$ |
Title Examination |
$ |
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|
$ |
Title Endorsement Fee |
$ |
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|
$ |
Reconveyance Fee |
$ |
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Appraisal Inspection Fee |
$ |
CPL (Closing Protection Letter) |
$ |
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Appraisal Recert Fee |
$ |
|
$ |
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|
$ |
Settlement Fee |
$575.00 |
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$ |
Closing Fee |
$ |
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$ |
Escrow Fee |
$ |
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$ |
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$ |
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$ |
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$ |
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Condo Questionnaire Fee |
$ |
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$ |
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|
$ |
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$ |
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|
$ |
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$ |
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Courier Fee |
$ |
Additional Settlement Charges |
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Title Insurance Binder |
$ |
HOA Certification/Letter |
$ |
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Owner Title Insurance |
$738.00 |
Survey Fee |
$ |
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Lenders Title Insurance |
$1,417.00 |
FHC Grant Homebuyer Education |
$ |
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Notary Fee |
$ |
HDP Grant Homebuyer Education |
$0.00 |
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Survey Deletion/Waiver |
$ |
Deed Prep |
$ |
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$ |
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$ |
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$ |
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$ |
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Recording and Transfer Fees |
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$ |
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Recording Fees |
$225.00 |
E&A |
$125.00 |
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Transfer Taxes |
$ |
Short Sale Negotiations |
$ |
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City/County Tax Stamps |
$2,280.00 |
Borrower - Attorney Fee |
$ |
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State Tax Stamps |
$ |
Seller Reimbursement of taxes |
$2,856.00 |
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Intangible Tax |
$ |
|
$ |
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New Deed - Recording Fee |
$ |
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$ |
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CEMA & 255 Affidavit |
$ |
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$ |
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$ |
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Estimated Funds Needed to Close |
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Purchase Price/Payoff: |
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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 |
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Total Est. Reserves/Prepaid costs: |
$1,251.30 |
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Discount Points: |
$ |
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FHA UFMIP/VA Funding Fee: |
$ |
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Total Costs: |
$390,481.30 |
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