CD Purchase - Page 2

Page 2 covers the details about loan costs and other costs, such as taxes and government fees; prepaid costs; and initial escrow payments at closing.

LOAN COSTS
Loan Costs are disclosed in three subheadings, each of which is subtotaled:

Origination Charges
Services Borrower Did Not Shop For
Services Borrower Did Shop For

A. ORIGINATION CHARGES

B. SERVICES BORROWER DID NOT SHOP FOR

C. SERVICES BORROWER DID SHOP FOR

D. TOTAL LOAN COSTS
Total Loan Costs is the sum of the subtotals of Origination Charges, Services Borrower Did Not Shop For, and Services Borrower Did Shop For.

OTHER COSTS

Other Costs are established by government action,determined by standard calculations applied to ongoing fixed costs, or based on an obligation incurred by the consumer independently of any requirement imposed by the creditor. Other Costs are disclosed in three subheadings, each of which is subtotaled

Taxes and Other Government Fees
Prepaids
Initial Escrow Payment at Closing, and
Other

E. TAXES AND OTHER GOVERNMENT FEES

F. PREPAIDS

G. INITIAL ESCROW PAYMENT AT CLOSING

H. OTHER

I. TOTAL OTHER COSTS & TOTAL CLOSING COSTS
Total Closing Costs (Borrower-Paid) is the total of all closing costs paid by the consumer, reduced by the Lender Credit.

LENDER CREDITS
All general lender credits, regardless of their reason or source, are included as Lender Credits.

Lender Credits - Enter the amount of any Lender Credits.

If the lender credit is attributable to a charge listed on Closing Disclosure page 2, then the amount should be listed with the item and designated as Paid By Others.