Fillable Printable Loan Estimate Template
Fillable Printable Loan Estimate Template
Loan Estimate Template
Loan Terms
Can this amount increase after closing?
Loan Amount
Interest Rate
Monthly Principal & Interest
See Projected Payments below for your
Estimated Total Monthly Payment
Does the loan have these features?
Prepayment Penalty
Balloon Payment
DATE ISSUED
APPLICANTS
PROPERTY
SALE PRICE
LOAN TERM
30 years
PURPOSE
Purchase
PRODUCT
5 Year Interest Only, 5/3 Adjustable Rate
LOAN TYPE
Conventional FHA VA _____________
LOAN ID #
1330172608
RATE LOCK
NO YES, until
Loan Estimate
Projected Payments
Payment Calculation
Principal & Interest
Mortgage Insurance
Estimated Escrow
Amount can increase over time
Estimated Total
Monthly Payment
Estimated Taxes, Insurance
& Assessments
Amount can increase over time
Before closing, your interest rate, points, and lender credits can
change unless you lock the interest rate. All other estimated
closing costs expire on
Save this Loan Estimate to compare with your Closing Disclosure.
PAGE 1 OF 3 • LOAN ID # 1330172608LOAN ESTIMATE
See Section G on page 2 for escrowed property costs. You must pay for other
property costs separately.
This estimate includes In escrow?
Property Taxes
Homeowner’s Insurance
Other:
Costs at Closing
Estimated Closing Costs
Includes in Loan Costs + in Other Costs –
in Lender Credits.
See page 2 for details.
Estimated Cash to Close
Includes Closing Costs.
See Calculating Cash to Close on page 2 for details.
Loan Terms
Can this amount increase after closing?
Loan Amount
Interest Rate
Monthly Principal & Interest
See Projected Payments below for your
Estimated Total Monthly Payment
Does the loan have these features?
Prepayment Penalty
Balloon Payment
DATE ISSUED
APPLICANTS
PROPERTY
EST. PROP. VALUE
LOAN TERM
30 years
PURPOSE
Purchase
PRODUCT
5 Year Interest Only, 5/3 Adjustable Rate
LOAN TYPE
Conventional FHA VA _____________
LOAN ID #
1330172608
RATE LOCK
NO YES, until
Loan Estimate
Projected Payments
Payment Calculation
Principal & Interest
Mortgage Insurance
Estimated Escrow
Amount can increase over time
Estimated Total
Monthly Payment
Estimated Taxes, Insurance
& Assessments
Amount can increase over time
Before closing, your interest rate, points, and lender credits can
change unless you lock the interest rate. All other estimated
closing costs expire on
Save this Loan Estimate to compare with your Closing Disclosure.
PAGE 1 OF 3 • LOAN ID # 1330172608LOAN ESTIMATE
See Section G on page 2 for escrowed property costs. You must pay for other
property costs separately.
This estimate includes In escrow?
Property Taxes
Homeowner’s Insurance
Other:
Costs at Closing
Estimated Closing Costs
Includes in Loan Costs + in Other Costs –
in Lender Credits.
See page 2 for details.
Estimated Cash to Close
Includes Closing Costs.
See Calculating Cash to Close on page 2 for details.
Loan Costs Other Costs
A. Origination Charges
% of Loan Amount (Points)
Desk Review Fee $150
Loan Origination Fee $1,000
Processing Fee $300
Rate Lock Fee $525
Underwriting Fee $675
Verification Fee $200
B. Services You Cannot Shop For
Appraisal Fee $305
Credit Report Fee $30
Flood Determination Fee $35
Lender’s Attorney $400
C. Services You Can Shop For
Pest Inspection Fee $125
Survey Fee $150
Title – Courier Fee $32
Title – Lender’s Title Policy $100
Title – Settlement Agent Fee $300
Title – Title Search $150
D. TOTAL LOAN COSTS (A + B + C)
E. Taxes and Other Government Fees
Recording Fees and Other Taxes
Transfer Taxes es
F. Prepaids
Homeowner’s Insurance Premium ( months)
Mortgage Insurance Premium ( months)
Prepaid Interest ( per day for days @ )
Property Taxes ( months)
G. Initial Escrow Payment at Closing
Homeowner’s Insurance per month for 3 mo.
Mortgage Insurance per month for 0 mo.
Property Taxes per month for 3 mo.
H. Other
Real Estate Broker Administration Fee $200
Title – Owner’s Title Policy (optional) $1,436
I. TOTAL OTHER COSTS (E + F + G + H)
J. TOTAL CLOSING COSTS
D + I
Lender Credits
Total Closing Costs (J)
Closing Costs Financed (Paid from your Loan Amount)
Down Payment/Funds from Borrower
Deposit
Funds for Borrower
Seller Credits
Adjustments and Other Credits
Estimated Cash to Close
Calculating Cash to Close
PAGE 2 OF 3 • LOAN ID # 1330172608LOAN ESTIMATE
Closing Cost Details
Loan Costs Other Costs
E. Taxes and Other Government Fees
Recording Fees and Other Taxes
Transfer Taxes
F. Prepaids
Homeowner’s Insurance Premium ( months)
Mortgage Insurance Premium ( months)
Prepaid Interest ( per day for days @ )
Property Taxes ( months)
G. Initial Escrow Payment at Closing
Homeowner’s Insurance per month for 3 mo.
Mortgage Insurance per month for 0 mo.
Property Taxes per month for 3 mo.
H. Other
Real Estate Broker Administration Fee $200
Title – Owner’s Title Policy (optional) $1,436
I. TOTAL OTHER COSTS (E + F + G + H)
J. TOTAL CLOSING COSTS
D + I
Lender Credits
Total Closing Costs (J)
Closing Costs Financed (Paid from your Loan Amount)
Down Payment/Funds from Borrower
Deposit
Funds for Borrower
Seller Credits
Adjustments and Other Credits
Estimated Cash to Close
Calculating Cash to Close
PAGE 2 OF 3 • LOAN ID # 1330172608LOAN ESTIMATE
Closing Cost Details
Adjustable Payment (AP) Table
Interest Only Payments?
Optional Payments?
Step Payments?
Seasonal Payments?
Monthly Principal and Interest Payments
First Change/Amount
Subsequent Changes
Maximum Payment
A. Origination Charges
% of Loan Amount (Points)
Desk Review Fee $150
Loan Origination Fee $1,000
Processing Fee $300
Rate Lock Fee $525
Underwriting Fee $675
Verification Fee $200
B. Services You Cannot Shop For
Appraisal Fee $305
Credit Report Fee $30
Flood Determination Fee $35
Lender’s Attorney $400
C. Services You Can Shop For
Pest Inspection Fee $125
Survey Fee $150
Title – Courier Fee $32
Title – Lender’s Title Policy $100
Title – Settlement Agent Fee $300
Title – Title Search $150
D. TOTAL LOAN COSTS (A + B + C)
Adjustable Interest Rate (AIR) Table
Index + Margin
Initial Interest Rate
Minimum/Maximum Interest Rate
Change Frequency
First Change
Subsequent Changes
Limits on Interest Rate Changes
First Change
Subsequent Changes
Loan Costs Other Costs
E. Taxes and Other Government Fees
Recording Fees and Other Taxes
Transfer Taxes
F. Prepaids
Homeowner’s Insurance Premium ( months)
Mortgage Insurance Premium ( months)
Prepaid Interest ( per day for days @ )
Property Taxes ( months)
G. Initial Escrow Payment at Closing
Homeowner’s Insurance per month for 3 mo.
Mortgage Insurance per month for 0 mo.
Property Taxes per month for 3 mo.
H. Other
Real Estate Broker Administration Fee $200
Title – Owner’s Title Policy (optional) $1,436
I. TOTAL OTHER COSTS (E + F + G + H)
J. TOTAL CLOSING COSTS
D + I
Lender Credits
Total Closing Costs (J)
Closing Costs Financed (Paid from your Loan Amount)
Down Payment/Funds from Borrower
Deposit
Funds for Borrower
Seller Credits
Adjustments and Other Credits
Estimated Cash to Close
Calculating Cash to Close
PAGE 2 OF 3 • LOAN ID # 1330172608LOAN ESTIMATE
Closing Cost Details
A. Origination Charges
% of Loan Amount (Points)
Desk Review Fee $150
Loan Origination Fee $1,000
Processing Fee $300
Rate Lock Fee $525
Underwriting Fee $675
Verification Fee $200
B. Services You Cannot Shop For
Appraisal Fee $305
Credit Report Fee $30
Flood Determination Fee $35
Lender’s Attorney $400
C. Services You Can Shop For
Pest Inspection Fee $125
Survey Fee $150
Title – Courier Fee $32
Title – Lender’s Title Policy $100
Title – Settlement Agent Fee $300
Title – Title Search $150
D. TOTAL LOAN COSTS (A + B + C)
Adjustable Payment (AP) Table
Interest Only Payments?
Optional Payments?
Step Payments?
Seasonal Payments?
Monthly Principal and Interest Payments
First Change/Amount
Subsequent Changes
Maximum Payment
Loan Costs Other Costs
E. Taxes and Other Government Fees
Recording Fees and Other Taxes
Transfer Taxes
F. Prepaids
Homeowner’s Insurance Premium ( months)
Mortgage Insurance Premium ( months)
Prepaid Interest ( per day for days @ )
Property Taxes ( months)
G. Initial Escrow Payment at Closing
Homeowner’s Insurance per month for 3 mo.
Mortgage Insurance per month for 0 mo.
Property Taxes per month for 3 mo.
H. Other
Real Estate Broker Administration Fee $200
Title – Owner’s Title Policy (optional) $1,436
I. TOTAL OTHER COSTS (E + F + G + H)
J. TOTAL CLOSING COSTS
D + I
Lender Credits
Total Closing Costs (J)
Closing Costs Financed (Paid from your Loan Amount)
Down Payment/Funds from Borrower
Deposit
Funds for Borrower
Seller Credits
Adjustments and Other Credits
Estimated Cash to Close
Calculating Cash to Close
PAGE 2 OF 3 • LOAN ID # 1330172608LOAN ESTIMATE
Closing Cost Details
A. Origination Charges
% of Loan Amount (Points)
Desk Review Fee $150
Loan Origination Fee $1,000
Processing Fee $300
Rate Lock Fee $525
Underwriting Fee $675
Verification Fee $200
B. Services You Cannot Shop For
Appraisal Fee $305
Credit Report Fee $30
Flood Determination Fee $35
Lender’s Attorney $400
C. Services You Can Shop For
Pest Inspection Fee $125
Survey Fee $150
Title – Courier Fee $32
Title – Lender’s Title Policy $100
Title – Settlement Agent Fee $300
Title – Title Search $150
D. TOTAL LOAN COSTS (A + B + C)
Adjustable Interest Rate (AIR) Table
Index + Margin
Initial Interest Rate
Minimum/Maximum Interest Rate
Change Frequency
First Change
Subsequent Changes
Limits on Interest Rate Changes
First Change
Subsequent Changes
LENDER
NMLS/ LICENSE ID
LOAN OFFICER
NMLS/ LICENSE ID
EMAIL
PHONE
Comparisons
Use these measures to compare this loan with other loans.
In 5 Years
Total you will have paid in principal, interest, mortgage insurance, and loan costs.
Principal you will have paid off.
Annual Percentage Rate (APR)
Your costs over the loan term expressed as a rate. This is not your interest rate.
Total Interest Percentage (TIP)
The total amount of interest that you will pay over the loan term as a
percentage of your loan amount.
Other Considerations
Additional Information About This Loan
MORTGAGE BROKER
NMLS/ LICENSE ID
LOAN OFFICER
NMLS/ LICENSE ID
EMAIL
PHONE
PAGE 3 OF 3 • LOAN ID # 1330172608LOAN ESTIMATE
Confirm Receipt
By signing, you are only confirming that you have received this form. You do not have to accept this loan because you have signed or
received this form.
Applicant Signature Date Co-Applicant Signature Date
We may order an appraisal to determine the property’s value and charge you for this
appraisal. We will promptly give you a copy of any appraisal, even if your loan does not close.
You can pay for an additional appraisal for your own use at your own cost.
If you sell or transfer this property to another person, we
will allow, under certain conditions, this person to assume this loan on the original terms.
will not allow assumption of this loan on the original terms.
This loan requires homeowner’s insurance on the property, which you may obtain from a
company of your choice that we find acceptable.
If your payment is more than ___ days late, we will charge a late fee of
.
Refinancing this loan will depend on your future financial situation, the property value, and
market conditions. You may not be able to refinance this loan.
We intend
to service your loan. If so, you will make your payments to us.
to transfer servicing of your loan.
Appraisal
Assumption
Homeowner’s
Insurance
Late Payment
Refinance
Servicing
LENDER
NMLS/ LICENSE ID
LOAN OFFICER
NMLS/ LICENSE ID
EMAIL
PHONE
Comparisons
Use these measures to compare this loan with other loans.
In 5 Years
Total you will have paid in principal, interest, mortgage insurance, and loan costs.
Principal you will have paid off.
Annual Percentage Rate (APR)
Your costs over the loan term expressed as a rate. This is not your interest rate.
Total Interest Percentage (TIP)
The total amount of interest that you will pay over the loan term as a
percentage of your loan amount.
Other Considerations
Additional Information About This Loan
MORTGAGE BROKER
NMLS/ LICENSE ID
LOAN OFFICER
NMLS/ LICENSE ID
EMAIL
PHONE
PAGE 3 OF 3 • LOAN ID # 1330172608LOAN ESTIMATE
We may order an appraisal to determine the property’s value and charge you for this
appraisal. We will promptly give you a copy of any appraisal, even if your loan does not close.
You can pay for an additional appraisal for your own use at your own cost.
If you sell or transfer this property to another person, we
will allow, under certain conditions, this person to assume this loan on the original terms.
will not allow assumption of this loan on the original terms.
This loan requires homeowner’s insurance on the property, which you may obtain from a
company of your choice that we find acceptable.
If your payment is more than ___ days late, we will charge a late fee of
.
You do not have to accept this loan because you have received this form or signed a
loan application.
Refinancing this loan will depend on your future financial situation, the property value, and
market conditions. You may not be able to refinance this loan.
We intend
to service your loan. If so, you will make your payments to us.
to transfer servicing of your loan.
Appraisal
Assumption
Homeowner’s
Insurance
Late Payment
Loan Acceptance
Refinance
Servicing
LENDER
NMLS/ LICENSE ID
LOAN OFFICER
NMLS/ LICENSE ID
EMAIL
PHONE
Comparisons
Use these measures to compare this loan with other loans.
In 5 Years
Total you will have paid in principal, interest, mortgage insurance, and loan costs.
Principal you will have paid off.
Annual Percentage Rate (APR)
Your costs over the loan term expressed as a rate. This is not your interest rate.
Total Interest Percentage (TIP)
The total amount of interest that you will pay over the loan term as a
percentage of your loan amount.
Other Considerations
Additional Information About This Loan
MORTGAGE BROKER
NMLS/ LICENSE ID
LOAN OFFICER
NMLS/ LICENSE ID
EMAIL
PHONE
PAGE 3 OF 3 • LOAN ID # 1330172608LOAN ESTIMATE
Confirm Receipt
By signing, you are only confirming that you have received this form. You do not have to accept this loan because you have signed or
received this form.
Applicant Signature Date Co-Applicant Signature Date
If you sell or transfer this property to another person, we
will allow, under certain conditions, this person to assume this loan on the original terms.
will not allow assumption of this loan on the original terms.
If your payment is more than ___ days late, we will charge a late fee of
.
Refinancing this loan will depend on your future financial situation, the property value, and
market conditions. You may not be able to refinance this loan.
We intend
to service your loan. If so, you will make your payments to us.
to transfer servicing of your loan.
Assumption
Late Payment
Refinance
Servicing
LENDER
NMLS/ LICENSE ID
LOAN OFFICER
NMLS/ LICENSE ID
EMAIL
PHONE
Comparisons
Use these measures to compare this loan with other loans.
In 5 Years
Total you will have paid in principal, interest, mortgage insurance, and loan costs.
Principal you will have paid off.
Annual Percentage Rate (APR)
Your costs over the loan term expressed as a rate. This is not your interest rate.
Total Interest Percentage (TIP)
The total amount of interest that you will pay over the loan term as a
percentage of your loan amount.
Other Considerations
Additional Information About This Loan
MORTGAGE BROKER
NMLS/ LICENSE ID
LOAN OFFICER
NMLS/ LICENSE ID
EMAIL
PHONE
PAGE 3 OF 3 • LOAN ID # 1330172608LOAN ESTIMATE
If you sell or transfer this property to another person, we
will allow, under certain conditions, this person to assume this loan on the original terms.
will not allow assumption of this loan on the original terms.
If your payment is more than ___ days late, we will charge a late fee of
.
You do not have to accept this loan because you have received this form or signed a
loan application.
Refinancing this loan will depend on your future financial situation, the property value, and
market conditions. You may not be able to refinance this loan.
We intend
to service your loan. If so, you will make your payments to us.
to transfer servicing of your loan.
Assumption
Late Payment
Loan Acceptance
Refinance
Servicing
