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This HUD shows the seller cash contribution to the 1st on line 405
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This shows the seller paying the HOA as a POC item on line 1306
seller
D. E. F.
Note: This form is furnished to give you a statement of actual settlement costs. Amounts paid to and by the settlement agent are shown. Items marked (POC) were paid outside this closing; they are shown here for informational purposes and are not included in the totals.
Name & Address of Borrower: Omar Santiago Hernandez Name & Address of Seller: Holly Joanne Barton
2212 Oak Point Drive, Copey, OH 44321
Name & Address of Lender: Property Location: 302 Erie Court, Poinciana, FL 34759
G. H.
We knew the 2nd needed $3,200 more than the 1st would allow so we negotiated the contract with the buyer making this payment directly to the 2nd on line 104
Settlement Agent: First American Title Insurance Company Address: 1101 Miranda Lane, Suite 101, Kissimmee, FL 34741 Place of Settlement Address: 1101 Miranda Lane, Suite 101, Kissimmee, FL 34741
J. Summary of Borrowers Transaction 100. Gross Amount Due from Borrower
101. 102. 103. 104. 105. 106. 107. 108. 109. 110. 111. 112. 113. 114. 115. Contract Sales Price Personal property Settlement charges to borrower (line 1400) Buyer Contribution to GMAC 55,000.00 387.00 3,200.00
(877)833-1731
I. Estimated Settlement Date: 12/30/2011 Print Date: 09/05/2011, 6:21 PM Disbursement Date: Signing Date:
55,000.00
120. Gross Amount Due from Borrower 200. Amounts Paid by or on Behalf of Borrower
201. *Deposit or earnest money 202. Principal amount of new loan(s) 203. Existing loan(s) taken subject 204. 205. 206. 207. 208. 209. 210. City/town taxes 211. County taxes 212. Assessments 213. 214. 215. 216. 217. 218. 219.
58,821.66
2,000.00
420. Gross Amount Due to Seller 500. Reductions In Amount Due to Seller
55,234.66
Excess deposit (see instructions) Settlement charges to seller (line 1400) Existing loan(s) taken subject Payoff of first mortgage loan to Bank of America Payoff of second mortgage loan to GMAC 2011 County Taxes ESTIMATE to Polk County Tax Collector Joe G.
220. Total Paid by/for Borrower 300. Cash at Settlement from/to Borrower
301. Gross amount due from borrower (line 120) 302. Less amounts paid by/for borrower (line 220)
2,000.00
58,821.66 2,000.00
520. Total Reduction Amount Due Seller 600. Cash at Settlement to/from Seller
601. Gross amount due to seller (line 420) 602. Less reductions in amounts due seller (line 520)
55,234.66
55,234.66 55,234.66
56,821.66
** Paid on Behalf of Borrower.
The Public Reporting Burden for this collection of information is estimated at 35 minutes per response for collecting, reviewing, and reporting the data. This agency may not collect this information, and you are not required to complete this form, unless it displays a currently valid OMB control number. No confidentiality is assured; this disclosure is mandatory. This is designed to Page 1 provide the parties to a RESPA covered transaction with information during the settlement process.
D. E. F.
Note: This form is furnished to give you a statement of actual settlement costs. Amounts paid to and by the settlement agent are shown. Items marked (POC) were paid outside this closing; they are shown here for informational purposes and are not included in the totals.
G. H.
2605 West Lake Mary Boulevard Lake Mary, FL 32746 Property Location: 100 Majestic Gardens Court, Winter Haven, FL 33880
This one shows the buyer contributing to the 2nd on line 104 and the buyer getting a credit from the agents on line 205.
Settlement Agent: First American Title Insurance Company Address: 1101 Miranda Lane, Suite 101, Kissimmee, FL 34741 Place of Settlement Address: 1101 Miranda Lane, Suite 101, Kissimmee, FL 34741
J. Summary of Borrowers Transaction 100. Gross Amount Due from Borrower
101. 102. 103. 104. 105. 106. 107. 108. 109. 110. 111. 112. 113. 114. 115. Contract Sales Price Personal property Settlement charges to borrower (line 1400) Buyers Contribution to 2nd Mortgage Payoff to Chase Home Finance, 105,000.00 5,112.16 2,625.71
(877)833-1731
I. Estimated Settlement Date: 12/10/2010 Print Date: 12/07/2010, 11:36 AM Disbursement Date: Signing Date:
105,000.00
120. Gross Amount Due from Borrower 200. Amounts Paid by or on Behalf of Borrower
201. 202. 203. 204. 205. 206. 207. 208. 209. *Deposit or earnest money Principal amount of new loan(s) Existing loan(s) taken subject **Credit Buyer Owner's Policy Listing Broker Credit to Buyer from
113,098.15
1,000.00 103,604.00 680.00 2,125.71
420. Gross Amount Due to Seller 500. Reductions In Amount Due to Seller
105,360.28
Excess deposit (see instructions) Settlement charges to seller (line 1400) Existing loan(s) taken subject Payoff of first mortgage loan to Lender Business Process Services Payoff of second mortgage loan to Chase Home Finance, LLC (AZ1**Credit Buyer Owner's Policy 2010 Taxes ESTIMATE to Polk County Tax POC-S $2,229.85
220. Total Paid by/for Borrower 300. Cash at Settlement from/to Borrower
301. Gross amount due from borrower (line 120) 302. Less amounts paid by/for borrower (line 220)
107,409.71
113,098.15 107,409.71
520. Total Reduction Amount Due Seller 600. Cash at Settlement to/from Seller
601. Gross amount due to seller (line 420) 602. Less reductions in amounts due seller (line 520)
105,360.28
105,360.28 105,360.28
* See Supplemental Page for details. ** Paid on Behalf of Borrower. POC-B (Borrower); POC-S (Seller); POC-L (Lender); POC-MB (Mortgage Broker). The HUD-1 Settlement Statement which I have prepared is a true & accurate account of this transaction. I have caused or will cause the funds to be disbursed in accordance with this statement. Settlement Agent: Date: The Public Reporting Burden for this collection of information is estimated at 35 minutes per response for collecting, reviewing, and reporting the data. This agency may not collect this information, and you are not required to complete this form, unless it displays a currently valid OMB control number. No confidentiality is assured; this disclosure is mandatory. This is designed to Page 1 provide the parties to a RESPA covered transaction with information during the settlement process.
5,688.44
Division of commission (line 700) as follows: 701. $3,912.50 to Tutas Towne Realty 702. $2,387.50 to Brokers Realty, Inc. 703. Commission paid at settlement 704.
801. Our origination charge 802. Your credit or charge (points) for the specific interest rate chosen 803. Your adjusted origination charges to Fidelity Funding Mortgage Corp 804. Appraisal fee 805. Credit report 806. Tax service 807. Flood certification 808. 809. 810. 811.
2,625.00
1001. Initial deposit for your escrow account 1002. Homeowners insurance 1003. Mortgage insurance 1004. Property taxes 0 mo(s) @$35.00/mo 1005. 1006. 1007. Aggregate Adjustment
0.00
$0.00
1101. Title services and lenders title insurance 1102. Settlement or closing fee to First American Title Insurance Company 1103. Owners title insurance 1104. Lenders title insurance 1105. Lenders title policy limit $ 103,604.00 1106. Owners title policy limit $ 105,000.00 1107. Agents portion of the total title insurance premium $ 0.00 to First American Title Insurance Company 1108. Underwriters portion of total title insurance premium $ 1,150.00 to First American Title Insurance Company 1109. Search Fee * to First American Title Insurance Company 1110. 1111. 1112.
685.00
$225.00
(from GFE #5)
225.00
690.00
$460.00
175.00
1201. Government recording charges 1202. Recording fees: Deed $27.00 Mortgage $265.00 Release $0.00 1203. Transfer taxes 1204. City/county tax/stamps: 1205. State tax/stamps: Deed $735.00 Mortgage $362.95 1206. Record Affidavit 1207. Intangible Tax 1208. 1209. 1210.
$207.21
1301. Required services that you can shop for 1302. Survey to Residential Land Services 1303. 1304. 1305. 1306. 1307. 1308. 1309. 1310. 1311.
$250.00
250.00
1400. Total Settlement Charges (enter on lines 103, Section J and 502, Section K)
* See Supplemental Page for details. ** Paid on Behalf of Borrower.
5,112.16
7,453.50
Page 2
D. E. F.
Note: This form is furnished to give you a statement of actual settlement costs. Amounts paid to and by the settlement agent are shown. Items marked (POC) were paid outside this closing; they are shown here for informational purposes and are not included in the totals.
Name of Borrower: ErezBin Aharon, Limir BinLimor Ben Aharon Erez Ben Aharon and Aharon
263 Lakay Place, Longwood, FL 32779
G. H.
Property Location: 175 Pearl Lake CSWY #206, Altamonte Springs, FL 32714
Settlement Agent: First American Title Insurance Company Address: 1101 Miranda Lane, Suite 101, Kissimmee, FL 34741 Place of Settlement Address: 1101 Miranda Lane, Suite 101, Kissimmee, FL 34741
J. Summary of Borrowers Transaction 100. Gross Amount Due from Borrower
101. Contract Sales Price 102. Personal property 103. Settlement charges to borrower (line 1400) 104. 105. 33,000.00 1,162.00
This will show how a reverse proration can work when you are hit with an unexpected HOA payment. This one shows the seller getting a credit for 16 days on line 409. The problem is this all goes to the lender. This proration assumes the seller made the September payment of $295. I. (877)833-1731 Estimated Settlement Date: 10/14/2011 Print Date: 08/03/2011, 1:21 PM Disbursement Date: Signing Date:
K. Summary of Sellers Transaction
401. Contract sales price 402. Personal property 403. Total Deposits 404. 405. 406. 407. 408. 409. 410. 411. 412. 413. 414. 415.
33,000.00
171.34
171.34
120. Gross Amount Due from Borrower 200. Amounts Paid by or on Behalf of Borrower
201. Deposit or earnest money 202. Principal amount of new loan(s) 203. Existing loan(s) taken subject 204. 205. 206. 207. 208. 209.
34,333.34
1,000.00
420. Gross Amount Due to Seller 500. Reductions In Amount Due to Seller
33,171.34
Excess deposit (see instructions) Settlement charges to seller (line 1400) Existing loan(s) taken subject Payoff of first mortgage loan to Bank of America Payoff of second mortgage loan to Bank of America Home Owners Relocation Assistance Disbursed as Proceeds ($1000.00) 2010 County Taxes to Seminole County Tax POC-S $229.02
220. Total Paid by/for Borrower 300. Cash at Settlement from/to Borrower
301. Gross amount due from borrower (line 120) 302. Less amounts paid by/for borrower (line 220)
1,186.93
34,333.34 1,186.93
520. Total Reduction Amount Due Seller 600. Cash at Settlement to/from Seller
601. Gross amount due to seller (line 420) 602. Less reductions in amounts due seller (line 520)
33,171.34
33,171.34 33,171.34
33,146.41
** Paid on Behalf of Borrower.
The Public Reporting Burden for this collection of information is estimated at 35 minutes per response for collecting, reviewing, and reporting the data. This agency may not collect this information, and you are not required to complete this form, unless it displays a currently valid OMB control number. No confidentiality is assured; this disclosure is mandatory. This is designed to Page 1 provide the parties to a RESPA covered transaction with information during the settlement process.
D. E. F.
Note: This form is furnished to give you a statement of actual settlement costs. Amounts paid to and by the settlement agent are shown. Items marked (POC) were paid outside this closing; they are shown here for informational purposes and are not included in the totals.
Name & Address of Borrower: Erez Ben Aharon, Limor Ben Aharon
c/o Cipora Kagan, 455 Timber Ridge Drive, Longwood, FL 32779
Name & Address of Lender: Property Location: 175 Pearl Lake CSWY #206, Altamonte Springs, FL 32714
(877)833-1731
But what happens when you close a week early? The seller would have to be charged the $295. However we know the lender will not agree to pay that charge that was not approved. So we place the HOA fee on the buyer side line 1302 and reverse the proration line 513.
G. H.
Settlement Agent: First American Title Insurance Company Address: 1101 Miranda Lane, Suite 101, Kissimmee, FL 34741 Place of Settlement Address: 1101 Miranda Lane, Suite 101, Kissimmee, FL 34741
J. Summary of Borrowers Transaction 100. Gross Amount Due from Borrower
101. Contract Sales Price 102. Personal property 103. Settlement charges to borrower (line 1400) 104. 105. 33,000.00 1,947.16
I. Settlement Date: 09/09/2011 Print Date: 09/09/2011, 3:56 PM Disbursement Date: 09/09/2011 Signing Date:
33,000.00
120. Gross Amount Due from Borrower 200. Amounts Paid by or on Behalf of Borrower
201. Deposit or earnest money 202. Principal amount of new loan(s) 203. Existing loan(s) taken subject 204. 205. 206. 207. 208. 209. 210. 211. 212. 213. 214. 215. 216. 217. 218. 219.
34,947.16
501. 502. 503. 504. 505. 506. 507. 508. 509. 510. 511. 512. 513. 514. 515. 516. 517. 518. 519.
420. Gross Amount Due to Seller 500. Reductions In Amount Due to Seller
33,000.00
Excess deposit (see instructions) Settlement charges to seller (line 1400) Existing loan(s) taken subject Payoff of first mortgage loan to Bank of America Payoff of second mortgage loan to Bank of America Home Owners Relocation Assistance 2010 County Taxes to Seminole County Tax POC-S $229.02
220. Total Paid by/for Borrower 300. Cash at Settlement from/to Borrower
301. Gross amount due from borrower (line 120) 302. Less amounts paid by/for borrower (line 220)
242.74
34,947.16 242.74
520. Total Reduction Amount Due Seller 600. Cash at Settlement to/from Seller
601. Gross amount due to seller (line 420) 602. Less reductions in amounts due seller (line 520)
33,000.00
33,000.00 33,000.00
34,704.42
** Paid on Behalf of Borrower.
The Public Reporting Burden for this collection of information is estimated at 35 minutes per response for collecting, reviewing, and reporting the data. This agency may not collect this information, and you are not required to complete this form, unless it displays a currently valid OMB control number. No confidentiality is assured; this disclosure is mandatory. This is designed to Page 1 provide the parties to a RESPA covered transaction with information during the settlement process.
801. Our origination charge 802. Your credit or charge (points) for the specific interest rate chosen 803. Your adjusted origination charges 804. Appraisal fee 805. Credit report 806. Tax service 807. Flood certification 808. 809. 810. 811.
1001. Initial deposit for your escrow account 1002. Homeowners insurance 1003. Mortgage insurance 1004. Property taxes 1005. 1006. 1007. Aggregate Adjustment
1101. Title services and lenders title insurance 1102. Settlement or closing fee to First American Title Insurance Company 1103. *Owners title insurance - First American Title Insurance Company 1104. Lenders title insurance 1105. Lenders title policy limit $ 0.00 1106. Owners title policy limit $ 33,000.00 1107. Agents portion of the total title insurance premium $ 0.00 to First American Title Insurance Company 1108. Underwriters portion of total title insurance premium $ 189.75 to First American Title Insurance Company 1109. Search Fee * to First American Title Insurance Company 1110. 1111. 1112.
$235.00
(from GFE #5)
235.00
235.00 189.75
175.00
1201. Government recording charges 1202. Recording fees: Deed $27.00 Mortgage $0.00 Release $0.00 1203. Transfer taxes 1204. City/county tax/stamps: 1205. State tax/stamps: Deed $231.00 Mortgage $0.00 1206. 1207. 1208. 1209. 1210.
27.00
231.00
1301. Required services that you can shop for 1302. Association Dues September & October to The Cove At Pearl Lake 1303. New Homeowner Initiation Fee to The Cove At Pearl Lake 1304. Transfer Fee to The Cove At Pearl Lake 1305. 1306. 1307. 1308. 1309. 1310. 1311. * See Supplemental Page for details. ** Paid on Behalf of Borrower.
1400. Total Settlement Charges (enter on lines 103, Section J and 502, Section K)
1,947.16
2,583.60
Page 2
D. E. F.
Note: This form is furnished to give you a statement of actual settlement costs. Amounts paid to and by the settlement agent are shown. Items marked (POC) were paid outside this closing; they are shown here for informational purposes and are not included in the totals.
This just shows another reverse tax proration on lines 104 and 511
G. H.
2605 West Lake Mary Boulevard Lake Mary, FL 32746 Property Location: 100 Majestic Gardens Court, Winter Haven, FL 33880 (877)833-1731
I. Estimated Settlement Date: 11/25/2010 Print Date: 11/04/2010, 2:03 PM Disbursement Date: Signing Date:
Settlement Agent: First American Title Insurance Company Address: 1101 Miranda Lane, Suite 101, Kissimmee, FL 34741 Place of Settlement Address: 1101 Miranda Lane, Suite 101, Kissimmee, FL 34741
J. Summary of Borrowers Transaction 100. Gross Amount Due from Borrower
101. 102. 103. 104. 105. Contract Sales Price Personal property Settlement charges to borrower (line 1400) 2010 Taxes ESTIMATE to Polk County Tax Collector Joe G. Tedder 105,000.00 5,112.16 2,500.00
105,000.00
120. Gross Amount Due from Borrower 200. Amounts Paid by or on Behalf of Borrower
201. 202. 203. 204. 205. 206. 207. 208. 209. 210. 211. 212. 213. 214. 215. 216. 217. 218. 219. *Deposit or earnest money Principal amount of new loan(s) Existing loan(s) taken subject **Credit Buyer Owner's Policy
112,612.16
1,000.00 103,604.00 680.00
501. 502. 503. 504. 505. 506. 507. 508. 509. 510. 511. 512. 513. 514. 515. 516. 517. 518. 519.
420. Gross Amount Due to Seller 500. Reductions In Amount Due to Seller
105,000.00
Excess deposit (see instructions) Settlement charges to seller (line 1400) Existing loan(s) taken subject Payoff of first mortgage loan to To be determined Payoff of second mortgage loan to Chase Home Finance, LLC (AZ1**Credit Buyer Owner's Policy
220. Total Paid by/for Borrower 300. Cash at Settlement from/to Borrower
301. Gross amount due from borrower (line 120) 302. Less amounts paid by/for borrower (line 220)
107,284.47
112,612.16 107,284.47
520. Total Reduction Amount Due Seller 600. Cash at Settlement to/from Seller
601. Gross amount due to seller (line 420) 602. Less reductions in amounts due seller (line 520)
105,000.00
105,000.00 105,000.00
* See Supplemental Page for details. ** Paid on Behalf of Borrower. POC-B (Borrower); POC-S (Seller); POC-L (Lender); POC-MB (Mortgage Broker). The HUD-1 Settlement Statement which I have prepared is a true & accurate account of this transaction. I have caused or will cause the funds to be disbursed in accordance with this statement. Settlement Agent: Date: The Public Reporting Burden for this collection of information is estimated at 35 minutes per response for collecting, reviewing, and reporting the data. This agency may not collect this information, and you are not required to complete this form, unless it displays a currently valid OMB control number. No confidentiality is assured; this disclosure is mandatory. This is designed to Page 1 provide the parties to a RESPA covered transaction with information during the settlement process.
5,327.69
D. E. F.
Note: This form is furnished to give you a statement of actual settlement costs. Amounts paid to and by the settlement agent are shown. Items marked (POC) were paid outside this closing; they are shown here for informational purposes and are not included in the totals.
This one shows you the Chase seller incentive and the lender paying alarge amount of HOA fees. Both are on the next page.
G. H.
Settlement Agent: First American Title Insurance Company Address: 1101 Miranda Lane, Suite 101, Kissimmee, FL 34741 Place of Settlement Address: 1101 Miranda Lane, Suite 101, Kissimmee, FL 34741
J. Summary of Borrowers Transaction 100. Gross Amount Due from Borrower
101. Contract Sales Price 102. Personal property 103. Settlement charges to borrower (line 1400) 104. 105. 162,151.00 584.00
162,151.00
216.47
216.47
120. Gross Amount Due from Borrower 200. Amounts Paid by or on Behalf of Borrower
201. Deposit or earnest money 202. Principal amount of new loan(s) 203. Existing loan(s) taken subject 204. 205. 206. 207. 208. 209.
162,951.47
1,000.00
420. Gross Amount Due to Seller 500. Reductions In Amount Due to Seller
Excess deposit (see instructions) Settlement charges to seller (line 1400) Existing loan(s) taken subject Payoff of first mortgage loan to Chase Payoff of second mortgage loan
162,367.47
41,415.29 119,933.48
220. Total Paid by/for Borrower 300. Cash at Settlement from/to Borrower
301. Gross amount due from borrower (line 120) 302. Less amounts paid by/for borrower (line 220)
2,018.70
162,951.47 2,018.70
520. Total Reduction Amount Due Seller 600. Cash at Settlement to/from Seller
601. Gross amount due to seller (line 420) 602. Less reductions in amounts due seller (line 520)
162,367.47
162,367.47 162,367.47
160,932.77
** Paid on Behalf of Borrower.
The Public Reporting Burden for this collection of information is estimated at 35 minutes per response for collecting, reviewing, and reporting the data. This agency may not collect this information, and you are not required to complete this form, unless it displays a currently valid OMB control number. No confidentiality is assured; this disclosure is mandatory. This is designed to Page 1 provide the parties to a RESPA covered transaction with information during the settlement process.
Division of commission (line 700) as follows: 701. $5,269.91 to Tutas Towne Realty 702. $4,459.15 to Elite Investors Realty 703. Commission paid at settlement 704. Processing Fee to Elite Investors Realty
801. Our origination charge 802. Your credit or charge (points) for the specific interest rate chosen 803. Your adjusted origination charges to To be determined 804. Appraisal fee 805. Credit report 806. Tax service 807. Flood certification 808. 809. 810. 811.
1001. Initial deposit for your escrow account 1002. Homeowners insurance 1003. Mortgage insurance 1004. Property taxes 0 mo(s) @$261.06/mo 1005. 1006. 1007. Aggregate Adjustment
0.00
$0.00
1101. Title services and lenders title insurance 1102. Settlement or closing fee to First American Title Insurance Company 1103. *Owners title insurance - First American Title Insurance Company 1104. Lenders title insurance 1105. Lenders title policy limit $ 1,000.00 1106. Owners title policy limit $ 162,151.00 1107. Agents portion of the total title insurance premium $ 0.00 to First American Title Insurance Company 1108. Underwriters portion of total title insurance premium $ 886.00 to First American Title Insurance Company 1109. Search Fee * to First American Title Insurance Company 1110. 1111. 1112.
235.00
$235.00
(from GFE #5)
235.00 886.00
175.00
1201. Government recording charges 1202. Recording fees: Deed $27.00 Mortgage $0.00 Release $0.00 1203. Transfer taxes 1204. City/county tax/stamps: 1205. State tax/stamps: Deed $1,135.40 Mortgage $0.00 1206. Record Trust Certification 1207. 1208. 1209. 1210.
54.00
$27.00
1,135.40
1301. Required services that you can shop for 1302. Association Dues Balance Due to Siegfried, Rivera, Lerner, De La Torre 1303. Chase Seller Incentive to Tracy Konowitz 1304. 1305. 1306. 1307. 1308. 1309. 1310. 1311.
9,254.83 20,000.00
1400. Total Settlement Charges (enter on lines 103, Section J and 502, Section K)
* See Supplemental Page for details. ** Paid on Behalf of Borrower.
584.00
41,415.29
Page 2