please look over my numbers my closing cost seem really high I am so lost I might have duplicate charges listed.
I am applying for a FHA VHDA loan with no money down but a second loan that covers my down payment.
Initial loan amount:139,428.00
loan term:30yrs
your initial interest rate:3.875%
initial monthly amount owed for principal, interest, and any mortgage insurance:808.54 per month
adjusted origination charges:2,205.30
charges for all other settlement services:8,317.67
Total Estimate Settlement Charges:10,522.97
appraisal fee:475.00
credit report fee 50.00
VHDA tax service fee:53050
flood certification fee:150.00
VOE FEE:30.00
wire FEE:25.00
mortgage insurance premium:2,398.03
title insurance and lender's title insurance:1234.14
owner's title insurance:589.43
government recording charge:100.00
transfer tax:1,837.25
initial deposit for your escrow account:546.32
daily interest charges:222.00
homeowners insurance:600.00
your charges for all other settlement services:8,317.67
total estimate settlement charges:10,522.97
Itemization of amount financed
139,428.00 loan amount
5,487.33 prepaid finance charge
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133,940.67
Origination points: 1370.30
flood certification fee 7.00
IRS transcript fee:20.00
VOE fee:30.00
underwriting fee:695.00
VHDA reservation fee:120.00
wire fee:25.00
daily interest 14.80 day 222.00
upfront MIP to others:2,398.03
attorney fee:600.00
total prepaid finance charge:5,487.33
appraisal fee:475.00
credit report 50.00
tax service:53.50
final inspection fee:150.00
home owners insurance:600.00
homeowners insurance 2 months @ 50.00:100.00
mortgage insurance 0 months @ 152.90 per month:
property tax 4 months@ 161.58 per month:646.32
aggregate adjustment:-200.00
owners title insurance:589.43
lenders title insurance:459.14
title examination fee:175.00
deed:100.00
city tax stamp:701.00
state tax stamp:1,136.25
