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Common Charges Date Estimate Cost Comments
Earnest money or deposit   __/__/____ $ $  
Interest points charged by the lender   __/__/____ $ $  
Loan assumption fee   __/__/____ $ $  
Loan origination or discount fees   __/__/____ $ $  
Prepaid mortgage insurance   __/__/____ $ $  
Credit Report   __/__/____ $ $  
Appraisal   __/__/____ $ $  
Property survey   __/__/____ $ $  
Initial mortgage payment   __/__/____ $ $  
Inspections of property   __/__/____ $ $  
Recording fees   __/__/____ $ $  
Prepaid homeowner's insurance for first year   __/__/____ $ $  
Prorated property taxes   __/__/____ $ $  
Attorney's fees   __/__/____ $ $  
Title Search and insurance   __/__/____ $ $  
State and local closing taxes and fees   __/__/____ $ $  
Down payment (down payment less earnest money paid)   __/__/____ $ $  
Prorated maintenance for remainder of month (condos,co-ops)   __/__/____ $ $  
Other closing costs   __/__/____ $ $  
Amount needed at closing   __/__/____ $ $  
Hire an attorney.

Make financial arrangements (mortgage, transfer funds, etc).

Purchase homeowner's insurance.

Have property surveyed unless mortgage lender has arranged this.

Arrange for termite or other inspection

Know your closing costs.

Make a final walk-through.

Have bank check prepared for closing, as requires.

Make sure deed is recorded after closing.

 

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