This document is meant as a guideline. The party responsible for paying specific expenses may be part of the negotiation process. Be sure to check with the specialist assigned to your closing or email us at: closing@firsttitlein.com if you are in Indiana or closing@firsttitlefl.com if you are in Florida./span
Buyer Expenses
| FHA: | VA: | CONVENTIONAL: |
| Appraisal | Appraisal | Appraisal |
| Closing fee | Credit report | Closing fee |
| Credit report | Discount points | Courier fees |
| Discount points | Escrows—insurance/taxes | Credit report |
| Flood certification | Flood certification | Discount points |
| Health & hospital | Homeowners insurance premium (1 year) | Document preparation fee |
| Homeowners insurance premium (1 year) | Mortgage title insurance | Escrows—insurance/taxes |
| Lender inspection fee | Lender inspection fee | Flood certification |
| Mortgage title insurance | VA funding fee | FNMA underwriting fee |
| One-time MIP | Origination fee | Homeowners insurance premium (1 year) |
| Origination fee | Prepaid interest | Mortgage title insurance |
| Prepaid interest | Recording fee | Inspection fee |
| Recording fee | Survey | One year PMI |
| Survey | Origination fee | |
| Termite inspection | Prepaid interest | |
| Recording fee | ||
| Survey | ||
| Underwriting |
Seller Expenses
| FHA: | VA | CONVENTIONAL |
| Assignment fee | Assignment fee | Assignment fee |
| Courier/express feese | Courier/express fees | Deed and affidavit |
| Deed and affidavit | Closing fee | Owners title insurance |
| Document preparation fee | Deed and affidavit | Real estate commissions |
| Owners title insurance | Document preparation fee | |
| Processing fee | Health & hospital | |
| Real estate commissions | Lender inspection fee | |
| Tax service fee | Owners title insurance | |
| Tax service fee | Owners title insurance | |
| Underwriting | Processing fee | |
| Table funding fee | Real estate commissions | |
| Redraw fee | Table funding fee | |
| Termite inspection | ||
| Underwriting |