Note: This is just an estimate for Frederick County. Please call for more specific quotes.

L. SETTLEMENT CHARGES

700. TOTAL COMMISSION Based on Price               $                         @                         %

PAID FROM
BORROWER'S
FUNDS AT
SETTLEMENT

PAID FROM
SELLER'S
FUNDS AT
SETTLEMENT

         Division of Commission (Line 700) as Follows:
701. $                          to
702. $                          to
703. Commission Paid at Settlement    
704.                                                to    
800. ITEMS PAYABLE IN CONNECTION WITH LOAN
801. Loan Origination Fee                    %          to    
802. Loan Discount                              %          to   Lender    
803. Appraisal Fee                                            to   Lender    
804. Credit Report                                            to   Lender    
805. Lender's Inspection Fee                             to    
806. Mortgage Ins. App. Fee                             to    
807. Assumption Fee                                         to    
808. Flood Check Fee                                             Lender    
809. Tax Service Fee                                               Lender    
810. Document Preparation Fee                               Lender    
811. Underwriting Fee                                              Lender    
900. ITEMS REQUIRED BY LENDER TO BE PAID IN ADVANCE
901. Interest From                           to          @     $          /day     (     days         %)    
902. MIP Totlns. for LifeOfLoan     for      months to     
903. Hazard Insurance Premium for            years   to    
904.    
905.                                                                         
1000. RESERVES DEPOSITED WITH LENDER    
1001. Hazard Insurance                                         months    @    $               per month    
1002. Mortgage Insurance                                     months    @    $               per month    
1003. City/Town Taxes                                         months    @    $               per month    
1004. County Taxes                                              months    @    $               per month    
1005. Assessments                                                months    @    $               per month    
1006.                                                                    months    @    $               per month    
1007.                                                                    months    @    $               per month    
1008. Aggregate Adjustment                                 months    @    $               per month    
1100. TITLE CHARGES
1101. Settlement or Closing Fee                             to Blue Ridge Title Company

350.00

 
1102. Abstract or Title Search                                to Blue Ridge Title Company

150.00

 
1103. Title Examination                                           to    
1104. Title Insurance Binder                                  to Blue Ridge Title Company

35.00

 
1105. Document Preparation                                   to    
1106. Notary Fees                                                  to

8.00

 
1107. Attorney's Fees                                             to    
                                (includes above item numbers:                                                                                                       )    
1108. Title Insurance                                               to Blue Ridge Title agent for Commonwealth and for Fidelity    
                                (includes above item numbers:                                                                                                       )    
1109. Lender's Coverage                                         $    
1110. Owner's Coverage                                         $    
1111. Tax Status Fee (Fred. Cty)                                Blue Ridge Title Company    
1112. Recording Power of Attorney                             Clerk of Circuit Court    
1113. Recording Subordination Agrmt                          County Clerk of Circuit Court    
1200. GOVERNMENT RECORDING AND TRANSFER CHARGES
1201. Recording Fees:     Deed  $                            ;Mortgage  $    40.00;           

40.00

 
1202. City/County Tax/Stamps; Deed                                                       ; Mortgage    
1203. State Tax/Stamps;            Revenue Stamps                                      ; Mortgage    
1204. State Recordation Tax                                    to Treasurer of Frederick County, MD    
1205. Recording Reserve                                         to Frederick Clerk of Circuit Court

80.00

 
1300. ADDITIONAL SETTLEMENT CHARGES
1301. Survey                                                            to    
1302. Pest Inspection                                                to    
1303.    
1304. Delivery Fees (Refi with one payoff)                 to Blue Ridge Title Company

60.00

 
1305. Securing Release                                              to Blue Ridge Title Company

125.00 per release

 
1400. TOTAL SETTLEMENT CHARGES (Enter on Lines 103, Section J and 502, Section K)