TILA RESPA Integrated Disclosure

FEBRUARY 7, 2014

TILA RESPA Integrated Disclosure

H-25(J) Mortgage Loan Transaction Closing Disclosure ? Modification to Closing Disclosure for Transaction Not Involving Seller ? Model Form

This is a blank model form of the alternative disclosures and modifications permitted by 12 CFR ? 1026.38(d)(2), (e), and (t)(5)(vii) for transactions without a seller.

Closing Disclosure

Closing Information

Date Issued Closing Date Disbursement Date Settlement Agent File # Property Appraised Prop. Value

Loan Terms Loan Amount

Interest Rate

Monthly Principal & Interest See Projected Payments below for your Estimated Total Monthly Payment

Prepayment Penalty Balloon Payment

Projected Payments Payment Calculation

Principal & Interest

Mortgage Insurance Estimated Escrow Amount can increase over time Estimated Total Monthly Payment

Estimated Taxes, Insurance & Assessments Amount can increase over time See page 4 for details

Costs at Closing Closing Costs

Cash to Close

CLOSING DISCLOSURE

This form is a statement of final loan terms and closing costs. Compare this document with your Loan Estimate.

Transaction Information

Borrower

Lender

Loan Information

Loan Term Purpose Product

Loan Type

Loan ID # MIC #

Conventional FHA VA _____________

Can this amount increase after closing?

Does the loan have these features?

This estimate includes

In escrow?

Property Taxes Homeowner's Insurance Other:

See Escrow Account on page 4 for details. You must pay for other property costs separately.

Includes $3,800.50 in Loan Costs + $2,856.10 in Other Costs ? $500 in Lender Credits. See page 2 for details.

Includes Closing Costs. See Calculating Cash to Close on page 3 for details. From To Borrower

PAGE 1 OF 5 ? LOAN ID # 1330172608

Closing Disclosure

Closing Information

Date Issued Closing Date Disbursement Date Settlement Agent File # Property Estimated Prop. Value

Loan Terms Loan Amount

Interest Rate

Monthly Principal & Interest See Projected Payments below for your Estimated Total Monthly Payment

Prepayment Penalty Balloon Payment

Projected Payments Payment Calculation

Principal & Interest

Mortgage Insurance Estimated Escrow Amount can increase over time Estimated Total Monthly Payment

Estimated Taxes, Insurance & Assessments Amount can increase over time See page 4 for details

Costs at Closing Closing Costs

Cash to Close

CLOSING DISCLOSURE

This form is a statement of final loan terms and closing costs. Compare this document with your Loan Estimate.

Transaction Information

Borrower

Lender

Loan Information

Loan Term Purpose Product

Loan Type

Loan ID # MIC #

Conventional FHA VA _____________

Can this amount increase after closing?

Does the loan have these features?

This estimate includes

In escrow?

Property Taxes Homeowner's Insurance Other:

See Escrow Account on page 4 for details. You must pay for other property costs separately.

Includes $3,800.50 in Loan Costs + $2,856.10 in Other Costs ? $500 in Lender Credits. See page 2 for details.

Includes Closing Costs. See Calculating Cash to Close on page 3 for details. From To Borrower

PAGE 1 OF 5 ? LOAN ID # 1330172608

Closing Cost Details

Loan Costs

A. Origination Charges 01 % of Loan Amount (Points) 02 03 04 05 06 07 08 B. Services Borrower Did Not Shop For 01 02 03 04 05 06 07 08 09 10 C. Services Borrower Did Shop For 01 02 03 04 05 06 07 08 D. TOTAL LOAN COSTS (Borrower-Paid) Loan Costs Subtotals (A + B + C)

Other Costs

E. Taxes and Other Government Fees

01 Recording Fees

Deed:

02

F. Prepaids

01 Homeowner's Insurance Premium ( mo.)

02 Mortgage Insurance Premium ( mo.)

03 Prepaid Interest (

per day from

to

04 Property Taxes ( mo.)

05

G. Initial Escrow Payment at Closing

01 Homeowner's Insurance

per month for

02 Mortgage Insurance

per month for

03 Property Taxes

per month for

04

05

06

07

08 Aggregate Adjustment

H. Other

01

02

03

04

05

06

07

08

I. TOTAL OTHER COSTS (Borrower-Paid)

Other Costs Subtotals (E + F + G + H)

Mortgage:

)

mo. mo. mo.

J. TOTAL CLOSING COSTS (Borrower-Paid) Closing Costs Subtotals (D + I) Lender Credits

CLOSING DISCLOSURE

Borrower-Paid

At Closing

Before Closing

Paid by Others

PAGE 2 OF 5 ? LOAN ID # 0000000000

Payoffs and Payments

TO

01

Use this table to see a summary of your payoffs and payments to others from your loan amount. AMOUNT

02

03

04

05

06

07

08

09

10

11

12

13

14

15 K. TOTAL PAYOFFS AND PAYMENTS

Calculating Cash to Close

Loan Amount Total Closing Costs (J) Closing Costs Paid Before Closing Total Payoffs and Payments (K) Cash to Close

Use this table to see what has changed from your Loan Estimate.

Loan Estimate

Final

Did this change?

From To Borrower

From To Borrower Closing Costs Financed (Paid from your Loan Amount)

CLOSING DISCLOSURE

PAGE 3 OF 5 ? LOAN ID # 123456789

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