Your equity stake in the home. The percentage depends on your loan type. Usually the largest single number you'll bring to the closing table.
Fees to your lender, the government, and the vendors who make the transaction happen — attorney, title company, inspectors. Typically 2–5% of the purchase price on top of your down payment.
Paid directly to the seller when your offer is accepted. Negotiable. You do not get this back — it compensates the seller for taking the home off the market while you inspect. Credited toward what you owe at closing.
Held in escrow by the closing attorney. Negotiable. If you walk away during the due diligence period you get this back. After that period ends it becomes non-refundable. Applied toward your costs at closing.
3.5% Down — FHA: A government-backed loan. A one-time government insurance fee is typically rolled into your loan balance — no extra cash at closing. A small monthly insurance fee also applies. Your lender will explain both.
Paid to seller at offer. Negotiable. Credited at closing.
Held in escrow by attorney. Negotiable. Credited at closing.
💡 How these work at closing: Both your due diligence fee and earnest money are credited toward your total at closing — meaning the amount you bring to the closing table will be reduced by whatever you already paid at offer time.
These are costs where you choose your own vendors — and you have the power to shop for better prices.
Your Loan Estimate shows estimated numbers for some of these under Section C and H — those are just guesses. Enter real quotes from the vendors you actually choose. Do NOT also add Section C or H from your LE above — that would double-count them.
⚠️ Why are these combined? Lender's title insurance protects your lender. Owner's title insurance protects you. When you buy both through your closing attorney at the same time, the lender's fee drops substantially — making the combined package a better deal than either policy alone. This estimate will update automatically as your loan amount changes above. This is an estimate — confirm the exact amount with your attorney.
⚠️ Inspection payments: Most inspectors and testing services (home inspection, radon, well/septic, termite, survey) require payment at the time of service — not at closing. Plan for these as upfront out-of-pocket costs during your due diligence period.
Your DD fee and earnest money were paid when you made your offer. Both are credited toward what you owe, so the amount you physically bring (or wire) to the closing table is less.
What you bring to the closing table: Your down payment plus all closing costs, minus any seller credits. Your due diligence fee and earnest money are paid at the time of your offer — both are credited toward what you owe at closing.
Title insurance is shown as an estimate at $2.00 per $1,000 of loan amount. Your attorney — we recommend Zeno Lancaster at Lancaster Law Firm (828-226-1493 or zeno@lancasterlawfirm.com) — will give you the exact combined figure at closing.
This net sheet is an estimate only. Actual costs will vary. Not a Loan Estimate or Closing Disclosure. Provided for educational purposes by your ROG Results agent. Title insurance estimate based on $2.00 per $1,000 of loan amount — confirm exact amount with your attorney.