Live Fee Estimate

Mortgage Fee Worksheet

One loan option · estimated closing costs · rate & APR breakdown

Client Property Address Date

Sean Herrero

Mortgage Advisor

Loan Details

Purchase Price

Down Payment

Down Payment %

Loan Amount

Loan Program

Interest Rate (Note)

Amortization (months)

Monthly MI / PMI

Lender Fees

Discount PointsAPR

Origination FeeAPR

Processing FeeAPR

Underwriting FeeAPR

Upfront MI / Funding FeeAPR

Lender Fees Subtotal$0.00

Third Party Fees

Appraisal Fee

Credit Report

Flood Certification

Third Party Fees Subtotal$0.00

Escrow & Title Fees

Escrow ServiceAPR

Notary Fee

Loan Tie-In Fee

Endorsement

Lender's Title Insurance

Owner's Title Insurance

eRecording Fee

Escrow & Title Subtotal$0.00

Escrow Reserves

Property Tax — Months Reserved

Property Tax — Monthly Amount

Homeowners Insurance — Months Reserved

Homeowners Insurance — Monthly Amount

Escrow Reserves Subtotal$0.00

Taxes & Government Charges

Recording Fee

Transfer Tax

Taxes & Government Subtotal$0.00

Wealth Projection

Most buyers sell or refinance within 5–10 years. Here's where your net worth stands at those three key milestones. Drag the slider to model different rates of home appreciation.

Net Worth Loan Balance Remaining

Annual Home Appreciation 3.0%

0%2%4%6%8%10%

Starting Net Worth — Your down payment

Net Worth at Year 5 — —

Net Worth at Year 7 — —

Net Worth at Year 10 — —

Loan Estimate Worksheet

Sean Herrero

Mortgage Advisor

Loan Summary

Your Mortgage, Made Clear.

A personalized fee estimate — prepared with transparency, reviewed with care.

Prepared For —

Property —

Date —

Monthly Payment

—

Principal & Interest

Cash to Close

—

Down Payment + Closing Costs

Interest Rate

—

— APR

Loan Details

Purchase Price—

Down Payment—

Loan Amount—

Loan Program—

Loan Term—

Note Rate—

Closing Costs Summary

Lender Fees—

Third Party Fees—

Escrow & Title—

Escrow Reserves—

Taxes & Government—

Total Closing Costs—

Cash to Close—

Fee Breakdown · Page 2

Sean Herrero

Mortgage Advisor

Itemized Costs

Detailed Fee Breakdown

Line-item transparency on every cost — fees marked APR are included in the APR calculation.

Lender Fees

Discount PointsAPR—

Origination FeeAPR—

Processing FeeAPR—

Underwriting FeeAPR—

Upfront MI / Funding FeeAPR—

Subtotal—

Third Party Fees

Appraisal Fee—

Credit Report—

Flood Certification—

Subtotal—

Escrow & Title Fees

Escrow ServiceAPR—

Notary Fee—

Loan Tie-In Fee—

Endorsement—

Lender's Title Insurance—

Owner's Title Insurance—

eRecording Fee—

Subtotal—

Escrow Reserves

Property Tax—

Homeowners Insurance—

Subtotal—

Taxes & Government

Recording Fee—

Transfer Tax—

Subtotal—

Final Totals

APR Fees (included in APR)—

Total Closing Costs—

Cash to Close—

Wealth Projection · Page 3

Sean Herrero

Mortgage Advisor

Long-Term Outlook

Net Worth at Key Milestones

Where you'll stand at years 5, 7, and 10 — typical windows for selling or refinancing. Projected at 3.0% annual home appreciation.

Net Worth at Year 5 —

Net Worth at Year 7 —

Net Worth at Year 10 —

Net Worth Loan Balance

At a Glance — Through Year 10

Total Principal Paid Down—

Total Interest Paid—

Total of All Payments—

Home Value Gain from Appreciation—

Net Worth at Year 10—

Important: Your actual rate, payment, and costs could be higher. Home appreciation is modeled at a constant annual rate for illustration only — actual home values fluctuate. Get an official Loan Estimate before choosing a loan.

Sean Herrero · NMLS #900669 · CrossCountry Mortgage, LLC · NMLS #3029 · Equal Housing Lender