| CHARGE | CASH | CTM | FHA | VA | CONV |
|---|---|---|---|---|---|
| Downpayment | BUYER | BUYER | BUYER | BUYER | BUYER |
| Termite (Wood Infestation) Inspection (negotiable except VA) | SELLER | ||||
| Property Inspection (if requested) | BUYER | BUYER | BUYER | BUYER | BUYER |
| Property Repairs, if any (negotiable) | SELLER | SELLER | SELLER | SELLER | SELLER |
| New Loan Origination Fee (negotiable) | BUYER | BUYER | BUYER | ||
| Discount Points (negotiable) | BUYER | SELLER | BUYER | ||
| Document Preparation Fee (Charge Selling FHA/VA) | SELLER | SELLER | BUYER | ||
| Credit Report | BUYER | BUYER | BUYER | BUYER | |
| Appraisal or Extension Fee (negotiable) | BUYER | BUYER | BUYER | ||
| Interest Proration on Seller's Existing Loan | SELLER | ||||
| Existing Loan Payoff | SELLER | SELLER | SELLER | SELLER | |
| Existing Loan Payoff Demand | SELLER | SELLER | SELLER | SELLER | |
| Loan Prepayment Penalty (if any) | SELLER | SELLER | SELLER | SELLER | |
| Next Month's PITI Payment | BUYER | BUYER | BUYER | BUYER | |
| Prepaid Interest (approx. 30 days) | BUYER | BUYER | BUYER | ||
| Mortgage Transfer Fee | SPLIT | ||||
| Reserve Account Balance (Credit Seller/Charge Buyer) | PRORATE | PRORATE | PRORATE | PRORATE | |
| FHA MIP, VA Funding Fee, PMI Premium | PRORATE | BUYER | BUYER | BUYER | |
| Assessments payoff or proration | SELLER | SELLER | |||
| Taxes | PRORATE | PRORATE | PRORATE | PRORATE | PRORATE |
| Tax Impounds | BUYER | BUYER | BUYER | ||
| Tax Service Contract | SELLER | SELLER | BUYER | ||
| Fire/Hazard Insurance | BUYER | BUYER | BUYER | BUYER | BUYER |
| Flood Insurance | BUYER | BUYER | BUYER | ||
| Homeowners Association (HOA Transfer Fee) | SPLIT | SPLIT | SPLIT | SELLER | SPLIT |
| HOA/Disclosure Fee | SELLER | SELLER | SELLER | SELLER | SELLER |
| Current HOA Payment | PRORATE | PRORATE | PRORATE | PRORATE | PRORATE |
| Next Month's HOA Payment | BUYER | BUYER | BUYER | BUYER | BUYER |
| Home Warranty Premium (negotiable) | |||||
| Realtor's Commissions | SELLER | SELLER | SELLER | SELLER | SELLER |
| ALTA Homeowners Title Policy | SELLER | SELLER | SELLER | SELLER | SELLER |
| Lenders Title Policy and Endorsements | BUYER | BUYER | BUYER | ||
| Account Servicing Set-up Fee (negotiable) | SPLIT | ||||
| Escrow Fee | SPLIT | SPLIT | SPLIT | SELLER | SPLIT |
| Recording Fees (Flat Rate) | SPLIT | SPLIT | SPLIT | SPLIT | SPLIT |
| Reconveyance/Satisfaction Fee | SELLER | SELLER | SELLER | SELLER | |
| Courier/Express Mail Fees | SPLIT | SPLIT | SPLIT | SELLER | SPLIT |
| Wire Fees | SPLIT | SPLIT | SPLIT | SELLER | SPLIT |
| Email Loan Documents | BUYER | SELLER | BUYER |
Note: Prorated items will appear on Closing Statement as charges for one and credits for the other.