s**u
发帖数: 46 | 1 请问一下各位老大，
如果在普林斯顿城市上班，去哪买房子合适呢？
30分钟以内的车程吧
有孩子要读小学，所以想考虑一下学区。
多谢了 | N*****t
发帖数: 209 | 2 Princeton, Montgomery, West windsor
【在 s**u 的大作中提到】
: 请问一下各位老大，
: 如果在普林斯顿城市上班，去哪买房子合适呢？
: 30分钟以内的车程吧
: 有孩子要读小学，所以想考虑一下学区。
: 多谢了
| s**u
发帖数: 46 | 3 多谢啊
再请问一下，这边的closing cost大概是多少啊？
比如50w的房子
【在 N*****t 的大作中提到】
: Princeton, Montgomery, West windsor
| N*****t
发帖数: 209 | 4 it is around 10K. It includes:
1. ~$3500 escrew account deposit - 3 month preporty tax + one year home
insurance;
2. ~ $3000 Title insurance.
3. ~$1200 attorney fee;
4. ~$1000 survey + according fee
5. daily interest from closing to the end of that month.
6. some other small charges total < $500. | c********n
发帖数: 731 | 5 Here are some estimates based on a 600K single family without HOA fees,
interest rate at 3.5%. This is just an estimate and some small services
could add up to hundreds of dollars. Estimate based on closing of Sept 30
which is easier to calculate tax debit/credit:
Settlement Date: 9/30/2012
Purchase Price: $600,000.00
Down Payment (20.000%): $120,000.00
Mortgage Amount: $480,000.00
1. Mortgage Origination Costs: $1,296.03
Including...
Mortgage Origination Fee (POC): (.104%): $500.00
Appraisal: (POC): $375.00
Credit Report: $25.00
Mortgage Insurance: $0.00
Documentation Preparation: $200.00
Underwriting: $0.00 (varies from company to company)
Flood Certification: $25.00
Tax Escrow Service: $125.00
Courier: $0.00
Wire: $0.00
Escrow Waiver: $0.00
Mortgage Interest to end of month (1 days): $46.03
2. Other Closing Costs: $1,660.00
Including...
Transfer Tax (0.00%): $0.00
Deed Recording Fee: $0.00 (varies county by county)
Mortgage Recording Fee: $275.00
Notary Fee: $35.00
Home Inspection (POC): $350.00
Termite / Pest Inspection (POC): $100.00
Radon Inspection: (POC): $100.00
Water Inspection (POC): $0.00
Septic Inspection (POC): $0.00
Attorney Fee (POC): $800.00
Capitalization Funding: $0.00
3. Title Insurance Costs: $2,370.00
Title Insurance Policy (Basic): $2,345.00
Policy Endorsements: $25.00
Survey: $0.00
Note: Title service fee could be few hundreds.
4. Total Escrows: $6,100.42
County/Municipal Tax (5 months): $6,100.42
School Tax (5months): $0.00
Homeowners Insurance (2 months): $0.00
Condo / HOA Fee (2months): $0.00
Mortgage Insurance (2months): $0.00
Note: some mortgage company requires fewer months tax in escrow
5. TRANSACTION SUMMARY
Purchase Price: $600,000.00
Closing Costs: $5,326.03
Lender Escrows: $6,100.42
Reimbursements to Seller: $40.00 (1 day's tax close on sept 30)
Total Acquisition Costs: $611,466.45
Mortgage Amount: ($480,000.00)
MIP Financed: ($0.00)
Total Mortgage Amount: ($480,000.00)
Estimated Cash Needed to Purchase: $131,466.45
Earnest Deposit: ($2,000.00)
Prepaid Services: ($2,225.00)
Estimated Cash Needed at Settlement: $127,241.45
Principal and Interest: $2,155.41
Real Estate Taxes: $1,220.08
Homeowners Insurance $50.00
Mortgage Insurance: $0.00
Condo / HOA Fee: $0.00
Estimated Monthly Payment: $3,425.49 |
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