Loan Estimate Template
Loan Costs Other Costs
E. Taxes and Other Government Fees
Recording Fees and Other Taxes
Transfer Taxes
F. Prepaids
Homeowner’s Insurance Premium ( months)
Mortgage Insurance Premium ( months)
Prepaid Interest ( per day for days @ )
Property Taxes ( months)
G. Initial Escrow Payment at Closing
Homeowner’s Insurance per month for 3 mo.
Mortgage Insurance per month for 0 mo.
Property Taxes per month for 3 mo.
H. Other
Real Estate Broker Administration Fee $200
Title – Owner’s Title Policy (optional) $1,436
I. TOTAL OTHER COSTS (E + F + G + H)
J. TOTAL CLOSING COSTS
D + I
Lender Credits
Total Closing Costs (J)
Closing Costs Financed (Paid from your Loan Amount)
Down Payment/Funds from Borrower
Deposit
Funds for Borrower
Seller Credits
Adjustments and Other Credits
Estimated Cash to Close
Calculating Cash to Close
PAGE 2 OF 3 • LOAN ID # 1330172608LOAN ESTIMATE
Closing Cost Details
Adjustable Payment (AP) Table
Interest Only Payments?
Optional Payments?
Step Payments?
Seasonal Payments?
Monthly Principal and Interest Payments
First Change/Amount
Subsequent Changes
Maximum Payment
A. Origination Charges
% of Loan Amount (Points)
Desk Review Fee $150
Loan Origination Fee $1,000
Processing Fee $300
Rate Lock Fee $525
Underwriting Fee $675
Verification Fee $200
B. Services You Cannot Shop For
Appraisal Fee $305
Credit Report Fee $30
Flood Determination Fee $35
Lender’s Attorney $400
C. Services You Can Shop For
Pest Inspection Fee $125
Survey Fee $150
Title – Courier Fee $32
Title – Lender’s Title Policy $100
Title – Settlement Agent Fee $300
Title – Title Search $150
D. TOTAL LOAN COSTS (A + B + C)
Adjustable Interest Rate (AIR) Table
Index + Margin
Initial Interest Rate
Minimum/Maximum Interest Rate
Change Frequency
First Change
Subsequent Changes
Limits on Interest Rate Changes
First Change
Subsequent Changes
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