Purchaser’s Estimate of Settlement Costs

1. Balance of Down Payment                                         _________
2. Lender's Fees
  1) Origination Fee and Discount Points to be paid by Purchaser   _________
  2) Document Preparation Fee                                      _________
  3) Tax Service Fee                                               _________
  4) First Year PMI premium or FHA MIP if any                      _________
3. Escrows
  1) Homeowner's Insurance (2 months)                              _________
  2) PMI (2 months)	                                           _________
  3) Real Estate Tax (includes reimbursement to Seller of
     prepaid taxes, 14 months)                                     _________
4. Settlement Fees
  1) Title Search/Abstract                                         _________
  2) Title Insurance Premium                                       _________
  3) Settlement Services                                           _________
  4) Miscellaneous Fees (title insurance binder, messenger, copies)_________

5. Governmental Recording Charges
  1) Recordation of Deed and Trust                                 _________
  2) County Transfer Tax                                           _________
  3) Recordation Stamps                                            _________
  4) State Transfer Tax                                            _________
6. Other Costs
  1) Survey                                                        _________
  2) Termite Inspection                                            _________
  3) Homeowners' or Condo Fees	                                   _________
  4) Miscellaneous                                                 _________
                                      TOTAL ESTIMATED CHARGES      _________