Estimated Buyer Costs (2010 RESPA - Lenderís Residential Worksheet)

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Prepared By
Company:
Sales Agent: *
Phone:
Estimated Closing Date: (mm/dd/yyyy) *
Prepared For
Buyer: *
Address:
City, State, Zip:
Property County: *


Sales Price: (Please do NOT include commas in any of your numbers) $ 
Less: New Mortgage Amount ($)
Less: Earnest Money Deposit ($)

Property Taxes
First Half:
Second Half:
Days in Current Year: @ $ per day
Less: Property Tax Credit ()

HUD-1, Section 800: Items Payable in Connection with Loan
801. Our origination charge (from GFE #1)
802. Your credit or charge (points) for the
specific rate chosen (from GFE #2)
803. Your adjusted origination charges (from GFE A)
804. Appraisal Fee (from GFE #3)
805. Credit report (from GFE #3)
806. Tax service (from GFE #3)
807. Flood certification (from GFE #3)
808. Other
809. Other
810. Other
Total 800 Section  

HUD-1, Section 1100: Title Charges
1101. Settlement fee (from GFE #4)
1101. Handling & Processing (from GFE #4)
1101. Special Tax Search (from GFE #4)
1101. Wire Fee (from GFE #4)
1101. Title Update fee (from GFE #4)
1101. Survey ( estimated ) **
1101. Title Binder (from GFE #4)
1104. Loan Policy Premium (from GFE #4)
1105. Owner's Title Insurance Premium (from GFE #5) ****
1104. Endorsements
EPA ( $75.00 )  
ARM ( $75.00 )  
PUD ( $50.00 )  
Condo ( $50.00 )  
Comprehensive ( $150.00 ) *  
Survey Coverage( Loan ) ( $50.00 )  
Survey Coverage( Owners ) ( $100.00 )  
Insured Closing Protection ( Lender ) ( $40.00 )  
Insured Closing Protection ( Buyer ) ( $40.00 ) ***  
Other
Other
Total 1100 Section (GFE #4)  
Total 1100 Section (GFE #5 )  

HUD-1, Section 1201: Government Recording Charges
1202. Deed ( $28.50 )  
1202. Mortgage ( $220.00 )  
Total 1201 Section  

Net Buyers Amount to Close  

Disclaimer

Guardian Title & Guaranty Agency, Inc. provides this estimate as a complimentary service. It should not be relied on as a Good Faith Estimate of settlement charges. Actual charges may vary based on varying circumstances and requirements particular to each transaction. The fees and any proceeds are only an estimate and should not be construed as a commitment by Guardian Title & Guaranty Agency, Inc. For further information, please contact Guardian Title & Guaranty Agency, Inc. at (216) 898-4925 or toll free at (800) 688-4121.

Note: When endorsements are bundled the cost of the EPA endorsement drops to $50, and the Survey endorsement to $25 when issued along with a comprehensive endorsement.

* The cost of the Comprehensive is 10 cents per thousand when the policy is $1.5m or greater (with a min premium of $150).

** The cost of a survey is determined by the surveyor.

*** The Buyers Insured Closing Protection is $40.00, but if it is purchased along with the Lenders Insured Closing Protection, the cost is reduced to $20.00.

**** The Buyer(s) in this transaction may be credited with a percentage of the Owner's Title Insurance Premium at closing.