Estimated Cost Sheet

Cash CTM FHA/ VA Conv Seller Buyer

1. Down Payment 2. Escrow Fee (charge seller on VA) 3. Owners Title Policy 4. ALTA Loan Policy (combo rate based on loan amount) 4a. Standard Loan Policy 5. Recording/Adavit File Fees 6. Home Protection Plan 7. Real Estate Commission 8. Termite Inspection 9. Home Owners Association Fees 10. Tax Prorations 11. Home Owners Insurance (re/ood) 12. Assessments-sewer, etc (payo or prorate) 14. Origination Fee negotiable 15. Appraisal Fee negotiable 16. Lenders Document Preparation Fee 17. Credit Report Fee 18. Tax Service Contract 19. Bringdown Endorsement/Underwriting 20. VA Funding Fee 21. FHA MIP or PMI Premium 22. Existing Loan Payo (including unpaid interest) 23. Payo Demand Fee 24. Reconveyance Fee 25. Impound/Reserve Account 26. Insurance Impound 27. Tax Impounds 28. MIP/PMI Impounds 29. Prepaid Interest 30. Loan Transfer Fee 31. Prepayment Penalty 32. Prorated Interest 33. Account Servicing Set Up Fee 34. Repairs 35. Home Inspection Fee Total Costs for Seller and Buyer

X X X

X X X X

X X X X

X X X X X X X X X $or X X X X X $ $ $ $1/2 $Negot $ $ $1/2 $1/2 $

$ $1/2 $$ $ $1/2 $Negot

X X X X X

X X X X X

X X X X X X X X X X X X

$1/2 $ $ $ $

$ X X X X X X X X $1/2 X $ $ $1/2 $ $ $ $ $1/2 $ $ $ $ $ $ $ $ $1/2 $

X X X

X X X

X X X X X X X

X X X X

Home Buyers Guide

page 29