Closing cost includes but not limits to following charges:

A. ORIGINATION CHARGES

• Lender’s Underwriting Fee
• Processing Fee
• MERS

B. OTHER CHARGES

• Appraisal Fee
• Credit Report Fee
• Tax Service Fee
• PMI/MIP (Mortgage Insurance)
• Flood Certification Fee
• Mortgage Recording Charge

C. TITLE CHARGES

• Closing/Escrow Fee
• Lender’s Title Insurance

Closing cost paid by seller in purchase transaction:

• Owner’s title Insurance
• Transfer Tax (city/county Tax/Stamps)
• Pest inspections