| ITEM | Cash | CTM | FHA | VA | Conv |
| Down Payment | Buyer | Buyer | Buyer | Buyer | Buyer |
| Termite Inspection (negotiable except for VA) | Seller | ||||
| Property Inspection (if requested by buyer) | Buyer | Buyer | Buyer | Buyer | Buyer |
| Property Repairs, if any (negotiable) | Seller | Seller | Seller | Seller | Seller |
| New Loan Origination Fee (negotiable) | Buyer | Buyer | Buyer | ||
| Discount Points (negotiable) | Buyer | Seller | Buyer | ||
| Document Preparation Fee | Seller | Seller | Buyer | ||
| Credit Report | Buyer | Buyer | Buyer | Buyer | |
| Appraisal (negotiable) | Buyer | Buyer | Buyer | ||
| Interest Proration on Existing Loan | Buyer | ||||
| Existing Loan Payoff | Seller | Seller | Seller | Seller | |
| Existing Loan Payoff Demand | Seller | Seller | Seller | Seller | |
| Loan Prepayment Penalty (if any) | Seller | Seller | Seller | Seller | |
| Next Month's PITI Payment | Buyer | Buyer | Buyer | Buyer | |
| Prepaid Interest (approximately 30 days) | Buyer | Buyer | Buyer | ||
| Mortgage Transfer Fee | Split | ||||
| Impound Account Balance (credit Seller) | Buyer | ||||
| FHA MIP, VA Funding Fee, PMI Premium | Prorate | Buyer | Buyer | Buyer | |
| Assessment Assumed (Seller Pays Current) | Prorate | Prorate | Prorate | ||
| Assessment Payoff (sewer,paving,etc.) | Seller | Seller | Seller | Seller | Seller |
| Taxes (Seller Pays Current) | Prorate | Prorate | Prorate | Prorate | Prorate |
| Tax Impounds | Buyer | Buyer | Buyer | ||
| Tax Service Contract | Seller | Seller | Buyer | ||
| Fire/Hazard and Flood Insurance | Buyer | Buyer | Buyer | Buyer | Buyer |
| Homeowners Association Transfer Fee | Split | Split | Split | Seller | Split |
| Current HOA Payment | Prorate | Prorate | Prorate | Prorate | Prorate |
| Next HOA Payment | Buyer | Buyer | Buyer | Buyer | Buyer |
| Home Warranty Premium (negotiable) | Either | Either | Either | Either | Either |
| Agents' Commission | Seller | Seller | Seller | Seller | Seller |
| Homeowner's Title Policy | Seller | Seller | Seller | Seller | Seller |
| Lender's Title Policy and Endorsements | Buyer | Buyer | Buyer | ||
| Escrow Fee 50/50 | Split | Split | Split | Seller | Split |
| Recording Fees (Traditional Split not 50/50) | Split | Split | Split | Split | Split |
| Reconveyance or Satisfaction Fees | Seller | Seller | Seller | Seller | |
| Courier Fees - Party Incurring | Either | Either | Either | Either | Either |
| Wiring Fees - Party Incurring | Either | Either | Either | Either | Either |
| Loan Document Email Fee | Buyer | Seller | Buyer |
