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USDA Mortgage Rates

SALE PRICE: $343,750
LOAN TERM: 30 years
PRODUCT : Fixed Rate - Rates are subject to change without notice.

Loan Terms

Can this amount increase after closing?

Loan Amount

$347,222

NO

Interest Rate

3.990%

NO

Monthly Principal & Interest
See Projected Payments below for your Estimated Total Monthly Payment

$1,655.69

NO

Does the loan have these features?

Prepayment Penalty

NO

Balloon Payment

NO

Projected Payments

Payment Calculation

Years 1-7

Years 8-30

Payment Calculation

$1,655.69

$1,655.69

Mortgage Insurance

+

100.46

+

4

Estimate Escrow
Amount can increase over time

+

670

+

670

Estimated Total
Monthly Payment

$2,426.15

$2,329.69

Estimated Taxes, Insurance
& Assessments

Amount can increase over time

$670
month

This estimate includes

In escrow?

Property Taxes

YES

Homeowner’s Insurance

YES

Other:

See Section G on page 2 for escrowed property costs. You must pay for other property costs separately.

Costs at Closing

Estimated Closing Costs

$14,390

Includes $10,138 in Loan Costs + $4,252 in Other Costs – $0 in Lender Credits. See page 2 for details.

Estimated Cash to Close

$5,746

Includes Closing Costs. See Calculating Cash to Close on page 2 for details.

Closing Cost Details

Projected Payments

A. Origination Charges

$2,360

0 % of Loan Amount (Points)

$0.00

Doc Preparation Fee

$85

Loan Origination Fee

$1,000

Transaction Fee

$575

Warehouse Fee

$700









Other Costs

E. Taxes and Other Government Fees

$125

Recording Fees and Other Taxes

$125

Transfer Taxes




F. Prepaids

$1,178

Homeowner’s Insurance Premium ( 12 months)

$1,140

Mortgage Insurance Premium ( months)


Prepaid Interest ( $34.84 per day for 1 days @ 3.625%)

$38

PropertyTaxes ( months)


B. Services You Cannot Shop For

$4,916

Appraisal Fee

$525

Contract Processing Fee

$500

Credit Report

$44

Document Preparation Fee

$300

Flood Certification

$6

Tax Service Fee

$69

USDA Guarantee Fee

$3472









G. Initial Escrow Payment at Closing

$2,010

Homeowner’s Insurance $95.00 per month for 3 mo.

$285

Mortgage Insurance per month for 0 mo.


Property Taxes $575.00 per month for 3 mo.

$1,725



H. Other

$175

HOA Transfer Fees

$175

I. TOTAL OTHER COSTS(E+F+G+H)

$3,488

C. Services You Can Shop For

$2,862

Survey Fee

$406

Title - Lender's Title Insurance

$2,040

Title - Settlement/Escrow Fee

$350

Title - Tax Certificate Fee

$66










J. TOTAL CLOSING COSTS

$13,626

D + I

$14,390

Lender Credits


Calculating Cash to Close

Total Closing Costs (J)

$14,390

Closing Costs Financed (Paid from your Loan Amount)

-$3,472

Down Payment/Funds from Borrower

$0.00

Deposit

-$3,400

Funds for Borrower

$0.00

Seller Credits

-$1,772

Adjustments and Other Credits

$0.00

Estimated Cash to Close

$5,746

D. TOTAL LOAN COSTS (A + B + C)

$10,138

Valoraciones de Clientes:

  • Denita Hawkins • July 19, 2017

    Thank you Joan! You TRANSFORMED a Nightmare into a DREAM!

  • Rosa Iraheta • March 28, 2018

    Joan has help many of my clients to get their loans, he is very professionals and helpful, and always available for any questions that me or my clients had during the loan process. One of my client was in DACA program and Joan help him to get his loan. I will recommend Joan and his team . Thanks you

  • Ricardo Cruz • October 23, 2015

    I would like to thank Joan for everything he did for us. He is the best in the business and is very knowledgeable. He made the home buying process very enjoyable and he was available at any time to answer any questions we had. He was easy to contact and easy to talk to. I will be referring everyone I know to Joan. Thank you.

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