s*******0
发帖数: 480 | 1 收到了broker 的FTE。 purchase price 725k。 10月中close。
109 Property Tax Reimbursement to Seller if any to Seller， $5800 (说是
seller 已经付了8/12 到8/13年的地税， 所以我们要把10月中到8/13的地税退给
seller）。
800 ITEMS PAYABLE IN CONNECTION WITH LOAN:
801 Loan Origination Fee to GMH Mortgage Services LLC, $1,291.31
804 Appraisal Fee to Other, $400.00
805 Credit Report Fee to Other, $40.00
1100 TITLE CHARGES:
1103 Owners Title Insurance to Other, (0.281% + $150.00), $1,323.00
1104 Lenders Title Insurance to Other, (0.488% + $450.00), $2,485.00
1113 Endorsements & CPL to Other, $275.00
1200 GOVERNMENT RECORDING AND TRANSFER CHARGES:
1201 Recording Fee to Other, $285.00
1204 City/County tax/stamps to Other, (1.250% + $0.00), $9,081.25
900 ITEMS REQUIRED BY LENDER TO BE PAID IN ADVANCE:
901 Prepaid Interest to GMH Mortgage Services LLC (16 days at 3.375%= $38.
5582 a day) , $616.93
903 Homeowner’s insurance to Other, $720.00
1000 RESERVES DEPOSITED WITH LENDER:
1002 Homeowner’s insurance to Other ($720.00/yr $60.00/mo 2months), $120.00
1006 School Tax to City & County of ($9,000.00/yr $750.00/mo 4months), $3,
000.00
The total is about $25437.
觉得这closing cost 不低呀。 大家说说哪些地方不是很合理， 哪些地方可以节省的
。 不可能指望seller 给credit 。 | m**a
发帖数: 1228 | 2 seller当然不会无缘无故给你credit
难道你的lender没有credit？
还有1204是什么？
【在 s*******0 的大作中提到】
: 收到了broker 的FTE。 purchase price 725k。 10月中close。
: 109 Property Tax Reimbursement to Seller if any to Seller， $5800 (说是
: seller 已经付了8/12 到8/13年的地税， 所以我们要把10月中到8/13的地税退给
: seller）。
: 800 ITEMS PAYABLE IN CONNECTION WITH LOAN:
: 801 Loan Origination Fee to GMH Mortgage Services LLC, $1,291.31
: 804 Appraisal Fee to Other, $400.00
: 805 Credit Report Fee to Other, $40.00
: 1100 TITLE CHARGES:
: 1103 Owners Title Insurance to Other, (0.281% + $150.00), $1,323.00
| z****l
发帖数: 5282 | 3 if no cost financing by chinese loan broker,
8xx, 11xx and 1201 will be covered by lender credit.
I don't know about 1204 (city/county tax) either.
as far as I know, 1205 State tax/stamp is paid by seller.
【在 m**a 的大作中提到】
: seller当然不会无缘无故给你credit
: 难道你的lender没有credit？
: 还有1204是什么？
| Y*****s
发帖数: 342 | 4 You should dump your broker.
Sales tax, stamps tax, or transfer tax is paid by seller per Massachusetts
law. |
|
