Closing Costs & HUD Numbers

We recommend that you carefully compare closing costs between lenders before selecting a loan. This task is complicated by the fact that different lenders and brokers use different names for the same item. The good news is that all lenders and brokers are required to provide you with a HUD Good Faith Estimate detailing the services you may be required to get and pay for in connection with your loan. In order to help you make comparisons, we have included the standard line item numbers used on the Good Faith Estimate form.

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Discount Points

802 Loan Discount Points

Lender Fees

801 Loan Origination Fee
809 Underwriting Fee
810 Mortgage Broker Fee
812 Commitment Fee
818 Processing Fee
819 Courier Fee
820 Wire Transfer Fee
821 Document Preparation Fee
830 Administrative Fee
1301-1312 Additional Settlement Charges
N/A Homeowner's Association Certification Letter

Third Party Fees

803 Appraisal Fee
804 Credit Report
808 Tax Service Fee
822 Flood Certification
1301-1312 Additional Settlement Charges

Title Company or Attorney Fees

1101 Settlement or Closing Fee
1102 Mortgage Description Search Fee
1102.1 Home Equity Description Service Fee
1103 Title Examination Fee
1106 Notary Fee
1107 Attorney Fee
1109 Title Insurance: Lender's Coverage
1110 Title Insurance: Owner's Coverage
1111 Delivery Courier Service Fee
1112 Wire Transfer Fee
1113 Environmental Endorsement Fee
1114 Title Endorsement Fee

Government Fees

1201 Recording Fee
1202 County Tax Stamps
1203 State Mortgage Tax
1204 City Tax Stamps
1205 Intangible Taxes

Lender Pre-Paid Items

901 Interest
902 Mortgage Insurance
903 Hazard Insurance Premium
N/A Impound or Escrow Account Deposits
1001 Hazard Insurance Impound
1002 Mortgage Insurance Impound
1004 Property Tax Impound

Credits from inLoan

200 Credits from inLoan