LENDER COSTS

• Loan Application Fee
• Loan Origination Fee
• Credit Report
• Mortgage Title Insurance
• Underwriting Fee
• Processing Fee
• Appraisal Fee
• Document Preparation Fee
• Survey

TITLE COSTS

• Escrow Fee
• Closing Fee
• Recording Fee
• Document Preparation Fee
• Attorney Fees
• Tax Service Fee
• Messenger/Courier Fees

PREPAID LOAN EXPENSES

• Hazard Insurance (1 full year and reserves for escrow)
• Flood Insurance (if applicable)
• Property Taxes (reserves for escrow)
• Private Mortgage Insurance (reserves for escrow)
• Prepaid Interest

MISCELLANEOUS COSTS

• Home Warranty (per contract)
• Home Owners Association Dues (prorated) & Transfer Fee