VA

FHA

Conventional

1. Loan payoff (per current lender's statement)
2. Express fees (if any)
3. Title insurance
4. Release recording fee
5. Tax certificate
6. Outstanding taxes (per tax certificate)
7. Prorated taxes for current year
8. Water & sewer bill (if applicable)
9. Homeowners assoc. dues & fees (if any)
10. Loan discount points (per contract)
11. Document preparation (if any)
12. Other loan fees as disclosed by the new lender's good faith estimate
13. Tax Service Fee
14. Commissions
15. Loan closing fee
16. Real estate closing fee

1. Loan payoff (per current lender's statement)
2. Express fees (if any)3. Title insurance
3. Release recording fee
4. Tax certificate
5. Outstanding taxes (per tax certificate)
6. Prorated taxes for current year
7. Water & sewer bill (if applicable)
8. Homeowners assoc. dues & fees (if any)
9. Commissions
10. Inspection fee*
11. Loan discount points (per contract)*
12. Assignment of Deed of Trust*
13. Document preparation (if any)*
14. Other loan fees as disclosed by the new lender*/FHA requirements (good faith estimate)
15. Tax Service Fee*
16. Real estate closing fee

1. Loan payoff (per current lender's statement)
2. Express fees (if any)
3. Title insurance
4. Release recording fee
5. Tax certificate
6. Outstanding taxes (per tax certificate)
7. Water & sewer bill (if applicable)
8. Homeowners assoc. dues & fees (if any)
9. Prorated taxes for current year
10. Commissions
11. Real estate closing fee

1. Purchase price
2. Mortgagee title policy
3. Forms 100 & 8.1
4. Any other title endorsements required by new lender
5. Recording fees
6. Doc Fee (10 K per $1000 of sales price)
7. Tax Reserve*
8. Water & sewer bill (if applicable)
9. Homeowners assoc. dues & fees (if any)
10. Hazard insurance premium
11. Insurance reserve*
12. Loan discount points*
13. VA Funding Fee*
14. Origination Fee*
15. Interest on New Loan
16. Survey*
17. Credit Report*
18. Appraisal Fee*
19. Any other loan fees charged by the new lender

Note: Seller can pay any closing costs and prepaids for buyer as negotiated in contract.

*New loan charges

1. Purchase price
2. Mortgagee title policy
3. Forms 100 & 8.1
4. Any other title endorsements required by new lender
5. Recording fees
6. Doc Fee (10 K per $1000 of sales price)
7. Water & sewer bill (if applicable)
8. Homeowners assoc. dues & fees (if any)
9. Tax Reserve*
10. Hazard insurance premium
11. Insurance Reserve*
12. FHA Mortgage Insurance
13. Loan Service Fee*
14. Loan discount points*
15. Interest on New Loan
16. Survey*
17. Credit Report*
18. Appraisal Fee*
19. Real estate closing fee
20. Loan Closing Fee

Note: Buyer is required to pay pre-paid expenses. All other charges are negotiable as stated in sales contract. Payment of real estate closing fee is subject to FHA regulation.

*New loan charges

1. Purchase price
2. Mortgagee title policy
3. Forms 100 & 8.1
4. Any other title endorsements required by new lender
5. Recording fees
6. Doc Fee (10 K per $1000 of sales price)
7. Tax Reserve*
8. Water & sewer bill (if applicable)
9. Homeowners assoc. dues & fees (if any)
10. Hazard insurance premium
11. Insurance Reserve*
12. Loan Service Funding Fee*
13. Interest on New Loan*
14. Survey*
15. Credit Report*
16. Appraisal Fee*
17. Any other loan fees charged by the new lender*
18. Tax Service Fee*
19. Loan Closing Fee*
20. Real estate closing fee

Note: All closing costs are negotiable but must be addressed in sales contract.

*New loan charges