Note: The closing cost includes fee for appraisal report, credit report, lender administration/underwriting, escrow, title insurance, notary and courier. The table above includes all these costs. If the closing cost/credit amount is a (-) Negative number; you will not pay any closing cost and get extra credit from the lender. The extra credit will be applied towards pre-paid items such as current month interest, property tax & insurance (if due), and reserve for escrow/impound account. If the closing cost is a positive number, you have to pay this amount as a closing cost.

Note: The monthly P&I payment does not include the amount for property tax and insurance. With an escrow/Impound account, the actual payment obligation may be greater to include a prorated amount for property tax and insurance.

Note: A 30-day lock commitment is assumed. The interest rate is not final until we lock it. Rates are subject to change without notice if not locked.

Note: The interest rates shown above are from the best lenders that we work with. Depending on the individual situation, we may have to submit your loan to a different lender, and interest rate/cost may vary.

Note: If the property title is held under family trust, the closing cost may increase by $ 200 for trust docs preparation and county recording charges.