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I read that USDA direct loans (not the guaranteed) have no origination fees. Can someone verify this with me? Also, are the overall closing costs a lot lower compared to other loans?
We were approved for our loan, submitted an offer, and they've accepted. Apart from the earnest money we've already paid and the inspection, I was just trying to get an idea of what I may need to bring at closing. I do know you can finance the closing costs with your mortgage, but I would like to prepare in case that is not an option for us.
Thanks!
My closing costs were around $3500
appraisal fee $425
Tax service to USDA $125
Escrow set up $1200
Homeowners insurance $350
Settlement fee to lawyer (inc title ins) $750
Goverment recording charge $70
Survey $300
County Taxes for rest of year XX
also
Home Inspection
Pest-Termite Inspection $65