我15万的房子closing cost 5K多，利率4%，天理何存啊？# Living
v*3
1 楼
我可怜的生物博士后，在新泽西，拖家带小，一个人工作。
好不容易看中了一套房子，short sale的，townhouse 15万，首付10%
今天收到贷款公司关于closing cost statement.
要5千多！！！！利率4%！！！！
大神帮我看看哪个项目多收了，谢谢，谢谢。
Loan Cost
A. original cost $ 1245
% of loan Amount （point)
application fee $ 1245
B. Service you cannot shop for
appraisal fee $ 475
condo questionnaire $ 500
Credit report fee $ 50
final inspection fee $ 150
flood certification fee $ 7
Irs transcript fee $ 20
C. Service you can shop for
Title - attorney fee $ 850
title - lender title insurance $ 388
title - title examination fee $ 400
D. Total loan costs （A+B+C) $ 4085
Other Cost
E. Taxes and other Government fee
recording fees and other taxes $ 400
transfer tax
F. Prepaid
Home owner's insurance premium （12 month) $ 360
Mortagage Insurance premium ( month)
prepaid interest ($14.76 per day for 15 days @ 4%)
proptery tax ( month)
G. Initial Escrow payment at closing
homeowner's insurance $30.00 per month for 2 month $ 60
Mortgage Insurance
property tax $353.03 per month for 2 month $ 706
H. Other
Title - owner policy (optional) $ 388
I. Total other costs （E+F+G+H) $ 2135
J. Total closing clost
D+I $6220
lender credits -$300
好不容易看中了一套房子，short sale的，townhouse 15万，首付10%
今天收到贷款公司关于closing cost statement.
要5千多！！！！利率4%！！！！
大神帮我看看哪个项目多收了，谢谢，谢谢。
Loan Cost
A. original cost $ 1245
% of loan Amount （point)
application fee $ 1245
B. Service you cannot shop for
appraisal fee $ 475
condo questionnaire $ 500
Credit report fee $ 50
final inspection fee $ 150
flood certification fee $ 7
Irs transcript fee $ 20
C. Service you can shop for
Title - attorney fee $ 850
title - lender title insurance $ 388
title - title examination fee $ 400
D. Total loan costs （A+B+C) $ 4085
Other Cost
E. Taxes and other Government fee
recording fees and other taxes $ 400
transfer tax
F. Prepaid
Home owner's insurance premium （12 month) $ 360
Mortagage Insurance premium ( month)
prepaid interest ($14.76 per day for 15 days @ 4%)
proptery tax ( month)
G. Initial Escrow payment at closing
homeowner's insurance $30.00 per month for 2 month $ 60
Mortgage Insurance
property tax $353.03 per month for 2 month $ 706
H. Other
Title - owner policy (optional) $ 388
I. Total other costs （E+F+G+H) $ 2135
J. Total closing clost
D+I $6220
lender credits -$300
