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