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FAQ #11 for Buyers: What is a Buyer's Net Sheet?
Before you sit down to write a purchase agreement, we will sit down and fill in what is called a buyer's net sheet.
What is a Buyer's Net Sheet?
Buyer Net Sheet is a list of all of the costs associated with buying a home.  Not only does this include the lender fees that were estimated on the good faith estimate, but also the local closing fees, recording fees, inspections, and other costs associated with closing.  The net sheet will also reflect any credits to your side of the settlement including your earnest money, closing cost or discount point assistance from the sellers, and a tax proration to the date of the closing.
We start with the lender's good faith estimate of closing costs.  Included are the following:
Appraisal
Loan origination fee  (if applicable)
Loan commitment fee  (if applicable)
Credit Report
Flood Certification
Title Opinion
Title Guaranty
Abstracting
First Year of Home owner's insurance
Escrow for Taxes and Insurance
Other fees that are included on the net sheet outside of the lender costs are items such as:
Prepaid interest and taxes from the date of the closing to the end of the month
Home inspection
Termite Inspection
Radon Inspection
Closing ... more

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