TYPE OF FINANCING | CASH | FHA | VA | CONV |
| 1. Downpayment | BUYER | BUYER | BUYER | BUYER |
| 2. Property Inspection (if requested by Buyer) | BUYER
| BUYER | BUYER | BUYER |
| 3. Property Repairs, If Any (negotiable) | SELLER | SELLER | SELLER | SELLER |
| 4. New Loan Origination Fee (negotiable) | | BUYER | BUYER | BUYER |
| 5. Discount Points (negotiable) | | BUYER | BUYER | BUYER |
| 6. Credit Report | | BUYER
| BUYER
| BUYER
|
| 7. Appraisal or Extension Fee (negotiable) | | BUYER | BUYER | BUYER |
| 8. Existing Loan Payoff | SELLER | SELLER | SELLER | SELLER |
| 9. Existing Loan Payoff Demand | SELLER | SELLER | SELLER | SELLER |
| 10. Loan Prepayment Penalty, If Any | SELLER | SELLER | SELLER | SELLER |
| 11. Next Month’s PITI Payment | | BUYER | BUYER | BUYER |
| 12. Prepaid Interest (approx. 30 days) | | BUYER | BUYER | BUYER |
| 13. FHA MIP, VA Funding Fee, PMI Premium | | BUYER | BUYER | BUYER |
| 14. Assessments Payoff or Proration (sewer, paving, etc.) (negotiable) | BUYER OR SELLER | BUYER OR SELLER | BUYER OR SELLER | BUYER OR SELLER |
| 15. Taxes | PRORATE | PRORATE | PRORATE | PRORATE |
| 16. Tax Impounds | | BUYER | BUYER | BUYER |
| 17. Tax Service Fee | | SELLER | SELLER | SELLER |
| 18. Fire // Hazard Insurance | BUYER | BUYER | BUYER | BUYER |
| 19. Flood Insurance (if applicable) | BUYER | BUYER | BUYER | BUYER |
| 20. Homeowners Association (HOA) Transfer Fee (negotiable) | BUYER OR SELLER | BUYER OR SELLER | BUYER OR SELLER | BUYER OR SELLER |
| 21. Current HOA Payment | PRORATE | PRORATE | PRORATE | PRORATE |
| 22. Next Month’s HOA Payment | BUYER | BUYER | BUYER | BUYER |
| 23. Home Warranty Premium (negotiable) | BUYER OR SELLER | BUYER OR SELLER | BUYER OR SELLER | BUYER OR SELLER |
| 24. Real Estate Agent // Broker Commissions | SELLER | SELLER | SELLER | SELLER |
| 25. Standard Owner’s Title Policy | SELLER | SELLER | SELLER | SELLER |
| 26. Lender’s Title Policy and Endorsements | | BUYER | BUYER | BUYER |
| 27. Escrow Fee (NOTE: Charge Seller on VA Loan) | SPLIT | SPLIT | SELLER | SPLIT |
| 28. Recording Fee (negotiable) | BUYER OR SELLER | BUYER OR SELLER | BUYER OR SELLER | BUYER OR SELLER |
| 29. Reconveyance // Satisfaction Fee | SELLER | SELLER | SELLER | SELLER |
| 30. Courier // Express Mail Fees | SPLIT | SPLIT | SELLER | SPLIT |
