VA|HUD Audit - Fees Keys

Reference the following documents to complete this audit:
(provided by your Lender)

Certificate of Eligibility (COE)
Notice of Value (NOV)
HUD-1 Settlement Statement
HUD-1 Settlement Statement Addendum (if applicable)
Credit Reports

Select the FIRST OPTION that describes the COE Status and Down Payment of this mortgage:

Exempt (Veterans with AT LEAST a 10% service-connected disability & COE Entitlement Code 6, Surviving Spouse)

Interest Rate Reduction Refinance Loan (IRRRL) (COE is NOT required)

Consecutive Use / less than 5% Down Payment (COE Entitlement Code 5)
(if more than 5% Down Payment, select from one of the remaining options)

Regular Military / at least 10% Down Payment Regular Military / at least 5% Down Payment
Regular Military (COE Entitlement Codes 1-4 and 7-10)

Reserve-ANG / at least 10% Down Payment Reserve-ANG / at least 5% Down Payment
Reserve-ANG (COE Entitlement Code 11)

7%

Is Condition 10, Fee Appraiser/Fee Compliance Inspector, "checked" on your Notice of Value (NOV)?

No Yes

13%

Is this a Construction Loan?

No

Yes, but the lender DID NOT supervise the progress of construction.

Yes, and the lender DID supervise the progress of construction.

(For Construction Loans with multiple closings, add like-charges from each closing before entering into remaining fields; e.g. 1st Closing Lender Credits + 2nd Closing Lender Credits = Lender Credits)

20%

Select your Lender:
(located on page 1, item F, of your Settlement Statement)

26%

Select the State, Commonwealth or Territory where the property is located:
(located on page 1, item G, of your Settlement Statement)

33%

Enter your Settlement Date:
(located on page 1, item I, of your Settlement Statement)

39%

Enter your VA Loan Identification Number (LIN):
(located on page 1, section B, of your Settlement Statement)

- - -

46%

Enter Principal Amount of Loan:
(located on page 1 of your Settlement Statement)

(No commas please)

202. Principal Amount of Loan:

$ .00

Disregard the 200 Series Credits for now, we'll enter them after all Charges have been entered

52%

Enter 700 Series charges:
(located on page 2 of your Settlement Statement)

Borrower-Paid
(No commas please)

704. Broker Commission:

$ .00

59%

Enter 800 Series charges:
(located on page 2 of your Settlement Statement)

Borrower-Paid
(No commas please)

801. Origination Charge:

$ .00

802. Credits or Charge (points):

$ .00

(Using your Lender provided Settlement Statement Addendum, enter ONLY that amount of 802 that will offset charges in 801)

805. Credit Report(s):

$ .00

(Each Credit Report will have a charge on it; this charge should equal the sum of ALL Credit Reports)

806. Tax Service:

$ .00

807. Re-Inspection Fee:

$ .00

8XX. Questionable 800 Series Fees:

$ .00

(If you are unsure whether an 800 Series Fee is legitimate, enter it here)

65%

Enter 900 Series charges:
(located on page 2 of your Settlement Statement)

Borrower-Paid
(No commas please)

904. VA Funding Fee:

$ .00

(This fee may appear as "VAFF" or "PMI")

72%

Enter 1100 Series charges:
(located on page 2 of your Settlement Statement)

Borrower-Paid
(No commas please)

1102. Settlement / Closing Fee:

$ .00

1108. Closing Protection Letter (CPL) Fee:

$ .00

1109. Notary Fee:

$ .00

1110. Signing Fee:

$ .00

1111. Document Prep Fee:

$ .00

1112. Recording Fee:

$ .00

(Do NOT enter 1200 Series recording fees here)

1113. Re-Key Fee:

$ .00

1114. Postage, Fax, Phone, Copy or Courier Fees:

$ .00

11XX. Questionable 1100 Series Fees:

$ .00

(If you are unsure whether an 1100 Series Fee is legitimate, enter it here)

78%

Enter 1300 Series charges:
(located on page 2 of your Settlement Statement)

Borrower-Paid
(No commas please)

1302. Application Fee:

$ .00

1303. Transfer Fee:

$ .00

1304. Pest Insp/WDO Fee:

$ .00

13XX. Questionable 1300 Series Fees:

$ .00

(If you are unsure whether an 1300 Series Fee is legitimate, enter it here)

85%

Enter Charges That In Total Cannot Exceed 10%:
(located on page 3 of your Settlement Statement)

(No commas please)

Good Faith Estimate:

$ .00

HUD-1:

$ .00

91%

&

If applicable, enter 200 Series (and Addendum) Lender & Seller Credits:
(located on page 1 of your Settlement Statement and attached Addendum)

DO NOT enter a credit unless it is listed on this page or the next page.

(No commas please)

Broker Commission Credit:

$ .00

Origination Charge Credit:

$ .00

Credit Report(s) Credit:

$ .00

Tax Service Credit:

$ .00

Re-Inspection Fee Credit:

$ .00

VA Funding Fee Credit:

$ .00

Application Fee Credit:

$ .00

Transfer Fee Credit:

$ .00

Pest Insp/WDO Fee Credit:

$ .00

continued on next page...

98%

&

If applicable, enter 200 Series (and Addendum) Lender & Seller Credits (cont.):
(located on page 1 of your Settlement Statement and attached Addendum)

DO NOT enter a credit unless it is listed on this page or the previous page.

(No commas please)

Settlement / Closing Fee Credit:

$ .00

Closing Protection Letter (CPL) Fee Credit:

$ .00

Notary Fee Credit:

$ .00

Signing Fee Credit:

$ .00

Document Prep Fee Credit:

$ .00

Recording Fee Credit:

$ .00

Re-Key Fee Credit:

$ .00

Postage, Fax, Phone, Copy or Courier Fees Credit:

$ .00

GFE Tolerance Credit:

$ .00

Questionable Fees Credits:

$ .00

Reference the following documents to complete this audit:(provided by your Lender)

Select the FIRST OPTION that describes the COE Status and Down Payment of this mortgage:

Is Condition 10, Fee Appraiser/Fee Compliance Inspector, "checked" on your Notice of Value (NOV)?

Is this a Construction Loan?

Select your Lender:(located on page 1, item F, of your Settlement Statement)

Select the State, Commonwealth or Territory where the property is located:(located on page 1, item G, of your Settlement Statement)

Enter your Settlement Date:(located on page 1, item I, of your Settlement Statement)

Enter your VA Loan Identification Number (LIN):(located on page 1, section B, of your Settlement Statement)

Enter Principal Amount of Loan:(located on page 1 of your Settlement Statement)

Enter 700 Series charges:(located on page 2 of your Settlement Statement)

Enter 800 Series charges:(located on page 2 of your Settlement Statement)

Enter 900 Series charges:(located on page 2 of your Settlement Statement)

Enter 1100 Series charges:(located on page 2 of your Settlement Statement)

Enter 1300 Series charges:(located on page 2 of your Settlement Statement)

Enter Charges That In Total Cannot Exceed 10%:(located on page 3 of your Settlement Statement)

&

If applicable, enter 200 Series (and Addendum) Lender & Seller Credits:(located on page 1 of your Settlement Statement and attached Addendum)

&

If applicable, enter 200 Series (and Addendum) Lender & Seller Credits (cont.):(located on page 1 of your Settlement Statement and attached Addendum)

Reference the following documents to complete this audit:
(provided by your Lender)

Select your Lender:
(located on page 1, item F, of your Settlement Statement)

Select the State, Commonwealth or Territory where the property is located:
(located on page 1, item G, of your Settlement Statement)

Enter your Settlement Date:
(located on page 1, item I, of your Settlement Statement)

Enter your VA Loan Identification Number (LIN):
(located on page 1, section B, of your Settlement Statement)

Enter Principal Amount of Loan:
(located on page 1 of your Settlement Statement)

Enter 700 Series charges:
(located on page 2 of your Settlement Statement)

Enter 800 Series charges:
(located on page 2 of your Settlement Statement)

Enter 900 Series charges:
(located on page 2 of your Settlement Statement)

Enter 1100 Series charges:
(located on page 2 of your Settlement Statement)

Enter 1300 Series charges:
(located on page 2 of your Settlement Statement)

Enter Charges That In Total Cannot Exceed 10%:
(located on page 3 of your Settlement Statement)

If applicable, enter 200 Series (and Addendum) Lender & Seller Credits:
(located on page 1 of your Settlement Statement and attached Addendum)

If applicable, enter 200 Series (and Addendum) Lender & Seller Credits (cont.):
(located on page 1 of your Settlement Statement and attached Addendum)