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MORTGAGE COMPANY COMPLAINT/RECOVERY FUND NOTICE                      

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Estimating Closing Cost in Real Estate Transactions
Disclaimer: Republic Title strongly recommends that you use our Estimated Closing Costs program with a full understanding of how taxes are paid and collected at this time of year. We also highly recommend that rather than only using our program for BUYERS that you consult a mortgage professional for the closest estimate and required pre-paids.
       
Chart is a representation of who customarily pays each cost CASH FHA VA CONVENTION
1.   Down payment  BUYER BUYER BUYER BUYER
2,  Termite (wood Infestation) Inspection BUYER BUYER SELLER BUYER
3    Properly inspection BUYER BUYER BUYER BUYER
4     Property Repairs, if any (negotiable) SELLER SELLER SELLER SELLER
5     New Loan Origination Fee (negotiable)   BUYER BUYER BUYER
6     Document Preparation Fee • Loan Package   BUYER BUYER BUYER
7     Document Preparation Fee - Warranty Deed SELLER SELLER SELLER SELLER
8     Credit Report   BUYER BUYER BUYER
9     Appraisal or Extension Fee (negotiable)   BUYER BUYER BUYER
10. Existing Loan Payoff SELLER SELLER SELLER SELLER
11, Existing Loan Payoff Demand SELLER SELLER SELLER SELLER
12  Prepaid Interest (approximately 30 days)   BUYER BUYER BUYER
13   FHA MIP, VA Funding Fee, PMI Premium   BUYER BUYER BUYER
14. Property Taxes PRORATE PRORATE PRORATE PRORATE
15. Tax Impounds   BUYER BUYER BUYER
16. Tax Service Contract   BUYER SELLER BUYER
17. Fire/Hazard insurance BUYER BUYER BUYER BUYER
18. Flood Insurance   BUYER BUYER BUYER
19. Homeowners Association (HOA) Transfer Fee (negotiable) BUYER BUYER BUYER BUYER
20   HOA Statement of Accounts SELLER SELLER SELLER SELLER
21   Delinquent HOA Assessments SELLER SELLER SELLER SELLER
22   Delinquent Property Taxes SELLER SELLER SELLER SELLER
23, Home Warranty Premium (negotiable) SELLER SELLER SELLER SELLER
24, REALTORS Commissions SELLER SELLER SELLER SELLER
25. Owners Title Policy (negotiable) SELLER SELLER SELLER SELLER
26, Lender's Title Policy and Endorsements   BUYER BUYER BUYER
27. Escrow Fee (NOTE Charge Seller on VA loan) SPLIT SPLIT SELLER SPLIT
28   Recording Fees (Flat Rate) SPLIT SPLIT SPLIT SPLIT
29   Courier/Express Mail Fee SPLIT SPLIT SELLER SPLIT
         
Note Prorated Items will appear on Closing Statement (HUD1) as charges for one and credits for the other
 
The closing costs stated herein are typical for residential closings. The actual closing types and costs will vary
 
 depending upon the circumstances of each individual transaction.         
To get an estimate of closing charges for buyers and/or Sellers please visit :        
 http://www.texasfivestarrealty.com/Estimate_Closing_Cost.asp           

Equal Housing Opportunity Commission Bahman Davani REALTOR Bahman F. Davani

 Mortgage Loan Originator,
 NMLS ID# 955386
 Real Estate Broker
 Mobile: 214-457-7055
Bahman@utopiamortgage.net 

Apply For the Loan
Utopia.my1003app.com/955386

Utopia Mortgage, LLC.
NMLS ID: 2421702
5485 Summerhill Road
Texarkana, TX 75503

MORTGAGE COMPANY COMPLAINT/RECOVERY FUND NOTICE

     With the pride of living and working over 43 years in the Dallas/Fort Worth (DFW) areas, I am proud to serve as your Mortgage Loan Officer and Real Estate Broker. Please keep me in mind should you need any Real Estate and or Mortgage Loan services.

Bahman Davani
Phone: 214-457-7055 
 Bahman@UtopiaMortgage.net

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