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 。 | t**********r 发帖数: 2153 | | t**********r 发帖数: 2153 | 3 是1006, 不是1002.
【在 t**********r 的大作中提到】![](/moin_static193/solenoid/img/up.png) : 没見过1204和1002.
| d********f 发帖数: 43471 | 4 school tax一个月750?民主党万岁!
【在 s*******0 的大作中提到】![](/moin_static193/solenoid/img/up.png) : 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
| E*********h 发帖数: 2848 | 5 nrcc——non-recurring closing costs要和prepaid分开,这样比较才有效~
而且这几年federal regulation把HUD report的要求改得我都读不懂了~ 有些items,
现在要求必须disclosed as buyer's closing costs实际上又被credit回来了~ 比如
seller's title insurance premium,就是disclosed as part of buyer's closing
cost but credit to buyer. | mt 发帖数: 211 | 6 看来你的贷款额是$417,000.如果你找Mindy(206-816-5814,m********[email protected])
贷款,可以大大减少 801 项, 减至约$5,900(约为你现在的46%)。另外如果利息是3
.375% 30-year fixed,银行的回扣(credit)约为$7,700,这笔钱除了付801项外,还
剩大约$1,800可以用来付别的费用。
1103 项,费用看来正常,虽然列为你的费用,一般会由卖方出,除非你的买房合同上
写明由你来付。
1104 项,应该约为$800,这项是你的买房合同上写的title company收的。另外你要出
大约$1100的Title services fee,付给买房合同上写的escrow company。
1204 项,应该是卖房税(real estate excise tax),一般会由卖方出,不应该列为
你的费用。Puget Sound Areas's real estate excise tax rate为1.78%。请参考http://dor.wa.gov/content/findtaxesandrates/othertaxes/tax_realestate.aspx
1006 项,应该是房地产税(包括school tax),十月份close的应该有3个月的储备。
【在 s*******0 的大作中提到】![](/moin_static193/solenoid/img/up.png) : 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
| w*******e 发帖数: 1588 | 7 The cost is so high! I'm surprised. | h**********e 发帖数: 413 | 8 给你算了一下,你的closing fees are $4776.31. 是比较高的,一般purchase loan
fees 是$3,000-$3,500。主要是你付了 801 Loan Origination Fee $1,291.31, 一般
都不付,银行去付,所以希望换来的是你的rate不错。
$4776.31 closing fees 是假设这两个不是你要付得:
1103 Owners Title Insurance to Other不是要你付的,
1204 City/County tax/stamps to Other 也不是要你付得吧?
你agent咋也不给你弄明白 - It is a red flag, careful with this agent
------
欢迎参加西雅图贷款买房俱乐部
http://www.mitbbs.com/club_bbsdoc/SeattleMortgageRealty.html
【在 s*******0 的大作中提到】![](/moin_static193/solenoid/img/up.png) : 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
| W***i 发帖数: 9134 | 9 这也太坑爹了!
【在 s*******0 的大作中提到】![](/moin_static193/solenoid/img/up.png) : 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
| T**8 发帖数: 78 | 10 The broker is trying to rub you.
【在 s*******0 的大作中提到】![](/moin_static193/solenoid/img/up.png) : 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
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