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Mortgage Settlement
Worksheet for Closing Costs and Fees

Use the Closing Costs Worksheet below to help you compare settlement costs from lenders and brokers.

Think about closing fees before you submit your purchase offer, and remember that many fees and charges are negotiable.

This guide should not be viewed as a replacement for professional advice...

Talk with attorneys, mortgage lenders, real estate agents, and other advisers for information about lending practices, mortgage instruments, and your own interests before you commit to a specific loan.

Items payable in connection with loan	Loan 1	Loan 2
Application fee
Loan origination fee
Points
Appraisal fee
Credit report
Lender's inspection fee
Lender's attorney fees
Assumption fee
Broker fee (if any)

Items payable in advance	Loan 1	Loan 2
Prepaid interest
Homeowner's insurance
Flood determination fee
Flood insurance (if needed)

Reserves	Loan 1	Loan 2
Homeowner's insurance
Flood insurance (if needed)
PMI premium (generally 2 months, if required)
Property taxes
Other assessments

Title charges	Loan 1	Loan 2
Abstract or title search
Title insurance
Title examination
Title insurance binder
Document preparation
Notary fees
Attorney's fees

Government recording and transfers	Loan 1	Loan 2
Recording fees
City/county tax or stamps
State tax or stamps

Additional charges	Loan 1	Loan 2
Survey
Pest inspection
Settlement or closing fee
Other (copying or courier fees)

Total estimated charges	Loan 1	Loan 2

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Mortgage Settlement Worksheet for Closing Costs and Fees

worksheet mortgage settlement closing costs fees

Mortgage Settlement
Worksheet for Closing Costs and Fees