贷款买房的Total cost一般包含三部分:down payment + closing cost + prepaid
items
Closing cost一般有:application fee, origination fee, commitment fee或者
underwriting fee, upfront mortgage insurance, lender title insurance, owner
title insurance, attorney fee, appraisal fee, credit report fee, government
recording fee…具体要看在哪个州,哪个lender, 每个州每个lender对这些费用的叫
法也不同。
Prepaid items: 一般贷款要预付12个月的房屋保险 (Home Owner Insurance), 根据
closing date 的不同,需要有2-3个月的property tax and Home Owner Insurance
reserve, 还有预付几天的利息。
这些费用加起来就是贷款买房的总费用,Conventional 贷款,卖家最多可以帮你支付
房价的3%的费用。投资房,卖家最多可以帮你支付房价的2%费用。
希望这些信息对你有帮助。