The only costs the lender can tell you for sure is the charges they are giving you - look at those because everything else is out of their control.
Your attorney will get a HUD right before closing. But if you are unsure about which costs are really yours and how it will all come out, speak to your Realtor or your attorney. They can give you the straight scoop that the lender can't by law.
I'm sorry that you are angry at some companies business model of offering a rebate to buyers. The agent I used doesn't have a broker's split - so she simply rebated what most agents would give back to their broker, to me.
The fact that you have time to sit on Trulia and respond to people you don't know in the way you do, speaks volumes. You should spend more time worrying about your own business, and less being bitter over the choices others make about who they hire and why. With that attitute and level of customer service, it's no wonder you have only 10 listings - 6 of which are under 100k.
Thanks to all who responded with informative answers! It was much appreciated!
Typically the tax proration that you receive as a credit at closing is not allowable on the Good Faith Estimate. This could be why the cash from closing is a bit more on the worksheet. However, the lender should be able to explain it to you more thoroughly since they put the numbers together.
I'm not angry. I also don't need to defend my business, although you're incorrect.
I just wouldn't choose to work with you.
Show me a broker whose business model is to give their customers money and I'll show you a broker who won't be in business long.
My clients appreciate my customer service so much they don't ask for money back. They also don't have to ask other professionals questions that aren't being adequately answered by those they've hired.
Best wishes to you, Gobears. You may not like the answer, but at least I put my own name to it.
I wrote a thoughtful and helpful answer. Then, I deleted it after reading your previous posts looking for brokers who would offer a rebate when representing you in your home purchase. I have no doubt that you've done the same with a lender. I, for one, am done answering your questions. If no one on your "team" seems to be giving you a response, perhaps you should evaluate your position on compensating them for their expertise. Of course, you could ask your attorney, but you probably opted not to hire one.
I'm sympathetic to those who legitimately need assistance with the process of buying a home. It seems to me, "Gobears", that your questions stem from either hiring less competant "professionals" or getting 50% effort for 50% compensation with the balance rebated to you. Either way, you're getting what you've paid for and you'll have to live with the choices you've made. How would your bathroom remodel turn out if you asked the contractor for a rebate? Would your dry cleaning by done on time if you ask him for a rebate? How about your meal and service at a restaurant if you asked for rebate on your tip? I just hope you didn't ask your home inspector for a rebate on your "as/is" home. That could be an expensive lesson I wouldn't wish on anyone.
Charles Rutenberg Realty