交割成本的具体数额将有所不同. 住房贷款通常涉及很多费用, 如评估费, 标题的指控, 收的费用, 以及州或地方税收. 这些费用因州而异，也因贷方而异. 你的元素 Mortgage Loan Originator will review all costs with you based on your specific loan amount, 购买价格, 还有房屋价值.
Third party fees are ones that we collect and pass on to the person who actually performed the service. 其中包括评估费, 信用报告费, 结算或结案费用, 调查费, 税务服务费, 产权保险费用, 洪水认证费用, 以及快递/邮寄费用. 例如, 评估师收取评估费, 信用局支付信用报告费, 产权公司或律师会支付产权保险费用.
These fees include state/local taxes and recording fees and will most likely have to be paid regardless of the lender you choose. 如果一些贷款人不向你收取费用，包括税收和其他不可避免的费用, 别以为你不用付钱. It is possible that a lender who doesn't tell you about the fee hasn't done the research necessary to provide accurate closing costs.
出借人收费如积分, 文件准备费用, and loan processing fees are retained by the lender and are used to provide you with the lowest rates possible. This is the category of fees that you should compare very closely from lender to lender before making a decision. 元素对所有抵押贷款收取标准的900美元发起费.