Buyer's Netsheet
(Rates Lookup Table)
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Single Family Residence
Buyer:Date:
Address:Days to COE:
Agent:Sales Price:
Down Payment:Percent Down 
Loan Amount:Interest Rate 
  Loan Origination Fee: 
RECURRING COSTS:
Tax Reserve (6 months):
Fire Insurance (1 year): 
Fire Insurance Reserve (SFR: 2 mo./None for 80% LTV) - see chart:
PMI Reserve (2 months/None for 80% LTV):
Interest from Close of Escrow (1 month):
TOTAL RECURRING COSTS:
NON-RECURRING COSTS:
Loan Origination Fee
Credit Report
Appraisal Fee
Processing Fee
Drawing Fee
ALTA Title Policy
Escrow Fee
Tax Service Fee
Notary, Recording, Etc.
Wire Transfer
City Transfer Tax 
Pest Control Inspection
Roof Inspection
Property Inspection
Pool/Spa Inspection
Other Inspections
Transaction Fee
Other
Other
Other
TOTAL NON-RECURRING COSTS:
MONTHLY PAYMENTS:CASH TO CLOSE:
Principal + Interest:Down Payment:
Insurance:Est. Closing Costs:
Taxes:Reserves (2 mo PITI):
PMI:
HOA Dues:
TOTAL PAYMENTS:CASH TO CLOSE:
This estimate, based upon the above proposed purchase price, type of financing and projected closing date, has been prepared to assist Buyer in computing his/her costs. Lender, title companies and escrow holders may vary in their charges. Expenses will also vary according to expenses for required repairs, if any, and other items. Therefore, these figures cannot be guaranteed by the Broker or his/her representatives. All estimates and information are from sources believed to be reliable, but not guaranteed.

Buyer: _________________________________________________ DATE: _______________

Buyer: _________________________________________________ DATE: _______________


Email form to this address:
1. TAX RESERVE: Required on conventional loans with less than 20% equity. If the new loan is going to have impound account, the lender will require from 2-10 months taxes be deposited upon the time of the year. Note: If taxes are pro-rated, buyer's total charge for taxes could equal about 6 months taxes.
2. FIRE INSURANCE: Standard insurance coverage required by most lenders, normally paid 1 year in advance.
3. FIRE INSURANCE RESERVE: Required on conventional loans with less than 20% equity.
4. PMI INSURANCE RESERVE: Private Mortgage Insurance (PMI) is charged on conventional loans in excess of 80% of Loan to Value (LTV) Check with your lender for quote.
5. INTEREST FROM COE: 30 days interest on loan amount. Interest must be paid from close of escrow to 30 days prior to the first regular mortgage payment.
6. LOAN ORIGINATION FEES: Lender's fee for establishing a new loan.
7. CREDIT REPORT: A en evaluation of the buyer's credit history, required by the lender.
8. APPRAISAL REPORT: Paid to obtain an estimate of market value upon which the lender will base the loan amount.
9. PROCESSING FEE: Charged by the lender for loan processing. Normal charge is approximately $350.00.
10. DRAWING FEE: Charged by the lender to draw the closing documents. Normal charge is approximately $450.00.
11. A.L.T.A. TITLE POLICY: An extended policy with more specific coverage than the C.L.T.A. Standard Title Policy It covers unrecorded liens and is based on loan amount only, and is required by most lenders.
12. ESCROW FEE: Charge made by an escrow company for the work of handling the escrow. It is a function separate from title insurance. Customarily procedure to divide cost between Buyer/Seller. However, negotiable.
13. TAX SERVICE FEE: A tax service company that verifies for the lender than the taxes have been paid. This also removes the seller from the tax role and places the buyer on.
14. NOTARY & RECORDING, ETC.: Fee is established by the state ($10.00 per signature). Recording Fees - paid to county recorder for each recorded document.
15. WIRE TRANSFER: Cost to wire transfer all monies to lender for recording.
16. CITY TRANSFER TAX: A municipal tax imposed with the corporate limits of the City of Sacramento. The cost is .00275 per thousand of sales price. Customary procedure is to divide the cost between Buyer/Seller.
17. PEST CONTROL INSPECTION: A charge by the termite company for inspecting the property for damage due to wood destroying organisms or water damage.
18. ROOF INSPECTION: Inspection conducted by roofing company to determine condition of roof.
19. PROPERTY INSPECTION: Inspection conducted by property inspector to determine the condition of property, report findings and refer to specialists if needed.
20. POOL/SPA INSPECTION: Inspection conducted by inspector to determine the condition of pool/spa and equipment, report findings, and suggest needed repairs.
21. OTHER INSPECTIONS: Any further inspections requested by buyer to determine condition of property.
22. TRANSACTION FEE:
26. OTHER: An estimate of $250.00 should be adequate for miscellaneous fees other than above. This could include Buyer's Non-Recurring closing costs if requested.