我这个比angelfeier还少借不少，也没有escrow account，可是还要1万多。。。
lender给$4500 credit，之后是$5,998.59，但利率也比别处高。
1st Mortgage Amount $134,580
1. Lender Fees
1.1) 1% Origination Fee, $600 Application Fee $1,945.80
1.2) Appraisal (Paid Upfront) $450.00
1.3) Tax Service $58.00
1.4) Credit Report (Paid Upfront) $63.00
1.5) Final Inspection $55.00
1.6) Flood Certification $15.00
1.7) MERS Registration $6.95
*Total Lender Fees $2,593.75
2. Title Charges
2.1) Title Insurance Policy $1,647.34
2.2) Estimated Endorsements $200.00
2.3) Notary Fee, Tax Search Fee & Closing Protection Letter $167.00
2.4) Recording Fee (Deed & Mortgage) $200.00
2.5) Overnight Fee $11.85
*Total Title Company Charges $2,226.19
3. Prepaids & Escrows
3.1) Discount Points (If Applicable) $336.45
3.2) Interest: 15 day estimate (P/I 1st Mortgage) $301.40
3.3) Interest: 15 day estimate (I/O 1st Mortgage) $0.00
*Total Prepaids & Escrows $637.85
4. Additional Charges
4.1) 2% Tax Transfer Fee (1% Paid by Buyer, 1% Paid by Seller) $6,691.60
4.2) Home Owners Insurance (Full year if not paid for already) $780.00
4.3) Capital Contribution, 2 Months of HOA Dues, & 2 Months of SCM Dues $1,428.00
4.4) Tax Adjustment due to the Seller for Prepaid Property Taxes TBD
4.5) Upfront MIP (Mortgage Insurance Premium), Based on a 1.00% estimate N/A
*Total Additional Charges (Less Seller Paid Fees) $5,553.80
5. Summary of Closing Costs
5.1) Purchase Price (Minus Purchase Price Reduction, If Any) $334,580
5.2) Total Closing Costs (Minus Closing Cost Credit, If Any) $6,511.59
5.3) Less Mortgage Amount -$134,580
5.4) Less Deposits toward Agreement of Sale and PMLLC $513 -$200,513
**Estimate of Funds Needed for Settlement $5,998.59
Is buyer waiving rights to escrow? ("Yes" or "No") yes
Is there a Closing Cost credit? (Specify Amount) $4,500.00
