Thank our wonderful gov't. They thought that form was "easier to understand". You should look at the third page of your "Uniform Residential Loan Application" (where it breaks down the details of your transaction. OR you should be looking at your "itemized fee worksheet". Those two forms break down what costs and credits you should expect. Definitely agree with everyone else here, your lender/loan officer should have explained your numbers in detail so that there aren't any surprises. *** Something to bear in mind... even if your seller agrees to 6% and you get your prorated tax credit, you should still be mindful of the loan program and any assistance you're getting. For example, if you're getting all of these credits, you'll still need to pay for your appraisal and for your inspections (out of pocket, before closing). Then if you're utilizing an FHA program, you'll still need to bring your 3.5% regardless if the credits outweigh the costs. (Only exception is if you're using OHFA then they'd alter your down payment based on the amt of assistance your getting/using.) Hope this helps. Kim Lawson, Ohio Licensed Mortgage Loan Originator. Contact and licensing information can be found on my profile.