Download the Homebuyer Master Closing Disclosure – Long Sheet
Homebuyer Master Closing Disclosure
Homebuyer Master Closing Disclosure
LONG SHEET • LOAN OPTIONS • ASSISTANCE • CASH TO CLOSE
Homebuyer Master Closing Disclosure & Cost Worksheet
Model the complete home purchase from sales price through loan amount, down payment, assistance, lender and title charges, prepaid taxes and insurance, escrow reserves, PMI/MIP, HOA, points, seller/lender credits, and final cash to close. Use the scenario section to compare different prices and loan types.
Home Price$0
Loan Amount$0
Down Payment$0
Closing Costs$0
Total Assistance/Credits$0
Cash to Close$0
Monthly PITI+HOA$0
APR / Rate0%
1. Buyer, Property & Contract
2. Down Payment & Financing Structure
$0
$0
$0
$0
0%
$0
3. Down Payment Assistance & Closing Cost Assistance
| Assistance / Credit | Amount | Repayable? | Notes |
|---|---|---|---|
| Down Payment Assistance Grant | |||
| Down Payment Assistance Second Mortgage | |||
| Closing Cost Assistance Program | |||
| Seller Closing Cost Contribution | No | ||
| Lender Credit | No | ||
| Builder / Developer Credit | No | ||
| Employer / Community Assistance | |||
| Gift Funds | No | ||
| Total Assistance / Credits | $0 | ||
4. Loan Costs – Origination Charges
| Loan Cost | Method | Amount / % | Calculated Cost |
|---|---|---|---|
| Origination Fee | $0 | ||
| Discount Points | Percent of Loan | $0 | |
| Underwriting Fee | Flat | ||
| Processing Fee | Flat | ||
| Application Fee | Flat | ||
| Credit Report | Flat | ||
| Flood Certification | Flat | ||
| Tax Service Fee | Flat | ||
| Other Lender Fee | Flat |
5. Services Buyer Cannot Shop For
| Service | Amount |
|---|---|
| Appraisal | |
| Appraisal Management Fee | |
| Credit Supplement / Verification | |
| Flood Determination | |
| Mortgage Insurance / Funding Certification | |
| Other Required Service |
6. Services Buyer Can Shop For
| Service | Amount |
|---|---|
| Settlement / Closing Attorney | |
| Title Search | |
| Lender’s Title Insurance | |
| Owner’s Title Insurance | |
| Survey | |
| Pest / Termite Inspection | |
| Home Inspection | |
| Other Inspection | |
| Other Settlement Service |
7. Taxes, Recording & Government Fees
$0
$0
$0
8. Homeowners Insurance, Flood & HOA
$0
$0
9. PMI / MIP / VA / USDA Fees
$0
$0
Rates vary by loan characteristics and current program rules. These are editable planning fields, not guaranteed lender/program rates.
10. Prepaids
| Prepaid Item | Calculation | Amount |
|---|---|---|
| Prepaid Interest | days | $0 |
| Homeowners Insurance – 1 Year | Annual Premium | $0 |
| Flood Insurance – 1 Year | Annual Premium | $0 |
| Property Tax Proration | Manual | |
| HOA Proration / Advance | Manual | |
| Other Prepaid | Manual |
11. Initial Escrow Payment at Closing
| Escrow Item | Months | Monthly Amount | Deposit |
|---|---|---|---|
| Property Taxes | $0 | $0 | |
| Homeowners Insurance | $0 | $0 | |
| Flood Insurance | $0 | $0 | |
| Mortgage Insurance | $0 | $0 |
12. Monthly Mortgage Payment
Principal & Interest$0
Property Tax$0
Home Insurance$0
PMI / MIP / Guarantee Fee$0
HOA$0
Total Estimated Monthly Housing Payment$0
13. Master Closing Cost Summary
| Category | Amount |
|---|---|
| Origination + Points | $0 |
| Lender Flat Fees | $0 |
| Other Closing / Settlement Services | $0 |
| Government / Recording / Transfer Taxes | $0 |
| Prepaids | $0 |
| Initial Escrow Deposits | $0 |
| Upfront Mortgage / Guarantee Fee Paid in Cash | $0 |
| Total Closing Costs | $0 |
14. Cash to Close
| Cash-to-Close Component | Amount |
|---|---|
| Down Payment | $0 |
| Total Closing Costs | $0 |
| Less Earnest Money | $0 |
| Less Down Payment / Closing Cost Assistance | $0 |
| Less Gift Funds | $0 |
| Estimated Cash to Close | $0 |
15. Different Home Prices & Loan Types – Scenario Comparison
Use this section to compare multiple purchase prices and financing options.
| Scenario | Home Price | Loan Type | Down % | Rate % | Term | Tax % | Insurance % | HOA | Est. Loan | Est. Monthly | Est. Cash to Close |
|---|
16. Optional Buyer Reserves & Post-Closing Costs
| Post-Closing Need | Amount |
|---|---|
| Emergency Reserve | |
| Moving Costs | |
| Furniture / Appliances | |
| Immediate Repairs / Improvements | |
| Utility Deposits | |
| Other Reserve | |
| Total Recommended Post-Closing Reserve | $0 |
17. Final Buyer Funding Requirement
Cash to Close$0
Post-Closing Reserve$0
Total Buyer Funds Recommended$0
Total Assistance$0