VA Loan GFE/TIL (PMI, credit report, fees, finance)

[prybar]

I have a GFE and TIL and was wondering if there is a cost I shouldn't be paying, in general how things look. This is a VA loan, I'm a disabled VET so no PMI or other charges it is 100% finance. Credit Score is 774. New construction. Closing March 4

Loan 398k
15 years
rate=5.0%
Origination fee .75% = 2,985
Appraisal =$300
Credit Report=$35
Commitment fee=$16
Settlement fee=$75
Title Search=$260
Title Exam=$175
Title Ins=$110
Recording fees=$63
Pest Insp=$55
Sub Total=$4,074
This is under Pre Paid reserve
int 30 days @ 54.52/day=$1,635.62
Hazard Ins=$800
HazIns res=133.84
Tax Res=$666.66
Total Res=3,235.62
Total Loan cost and reserve=$7,309.62
Cash requirement est
Sale price 398k
Est Loan cost=$7,309.62
Total = $405,309.62
Total investmant req=$7,309,62
Deposit other equity=$1k
Application deposit=$400
Est Cash at closing=5,909.62
TIL
APR=5.114 Finance charge=$173,236.04 Amount financed=393,288.38
179=$3,147.36 starting 1 May
1=$3,146.98 last payment
filing fee=$63

Thanks

[renriq02]

great rate....

I'm surprised that your appraisal fee is only 300.
You might pay more because if the appraiser goes out there when the home isn't fully completed...then he will need to go out again. usually charge another 100 bucks.

Originally Posted by prybar

I have a GFE and TIL and was wondering if there is a cost I shouldn't be paying, in general how things look. This is a VA loan, I'm a disabled VET so no PMI or other charges it is 100% finance. Credit Score is 774. New construction. Closing March 4

Loan 398k
15 years
rate=5.0%
Origination fee .75% = 2,985
Appraisal =$300
Credit Report=$35
Commitment fee=$16
Settlement fee=$75
Title Search=$260
Title Exam=$175
Title Ins=$110
Recording fees=$63
Pest Insp=$55
Sub Total=$4,074
This is under Pre Paid reserve
int 30 days @ 54.52/day=$1,635.62
Hazard Ins=$800
HazIns res=133.84
Tax Res=$666.66
Total Res=3,235.62
Total Loan cost and reserve=$7,309.62
Cash requirement est
Sale price 398k
Est Loan cost=$7,309.62
Total = $405,309.62
Total investmant req=$7,309,62
Deposit other equity=$1k
Application deposit=$400
Est Cash at closing=5,909.62
TIL
APR=5.114 Finance charge=$173,236.04 Amount financed=393,288.38
179=$3,147.36 starting 1 May
1=$3,146.98 last payment
filing fee=$63

Thanks