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