N*****t
发帖数: 209 | 1 The most important is page 2.
Line 700s are for the agent commission.
Line 800s are charges by the mortgage company.
801 Origination fee: Typically $800, and could be paid by lender
credit.
804 Appraisal fee: Typical $400 - $600, and can also be paid by lender
credit
Line 901: Daily interest from the closing date to the 1st of next month.
Your first mortgage is due the 1st of 2nd month after your closing. For
example, your first payment will be March 1st if you closing in January.
Line 1000s are for the escrow account: Typically 3 month property tax and
home owner insurance.
Line 1100s are for title insurance: Depends on the house price, it can be $
1000 to $5000. It is a one-time charge.
Line 1200s are for recording charges. It is around $200 to $400 depend on
the country and pages of documents.
Line 1300s will include attorney charges, and HOA charges. Attorney charge
is in the range of $500 to $1500.
Line 1400 is your closing cost, it is the sum of line 800 to 1307 | N*****t
发帖数: 209 | 2 In page 1.
101: is the purchasing price
106, 107, 108 are for the items that seller has already paid to certain
timeframe after the closing. Like property tax, HOA or water. You need to
pay the seller from the closing date to the date they have paid to.
120: is the sum from lien 100 to line 112. It is the total amount due from
you.
Line 200 to 210: are your credit including your initial deposits, home
inspection credit, buyer agent credit, and mortgage.
Line 220 is the sum from line 200 to 219. It is total amount of money you
already have.
Line 303 will be the different between line 220 and 120. It is the money
you need bring to the closing. it needs to be certificate check or money
order.
lender
【在 N*****t 的大作中提到】
: The most important is page 2.
: Line 700s are for the agent commission.
: Line 800s are charges by the mortgage company.
: 801 Origination fee: Typically $800, and could be paid by lender
: credit.
: 804 Appraisal fee: Typical $400 - $600, and can also be paid by lender
: credit
: Line 901: Daily interest from the closing date to the 1st of next month.
: Your first mortgage is due the 1st of 2nd month after your closing. For
: example, your first payment will be March 1st if you closing in January.
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