GOOD FAITH ESTIMATE  EQUITY LOAN    V.A.    CONVENTIONAL

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APPLICANT(S) ______________________________________________________________________________________________________ PROPERTY ADDRESS _______________________________________________________________________________________________ LOAN TYPE ________________________  PURCHASE PRICE _________________________  LOAN AMOUNT ______________________

	NUMBERS FROM HUD-1 FORM		DESCRIPTION OF CHARGES
	ESTIMATED CLOSING FEES		ESTIMATED AMOUNT		LOCK        FLOAT
	801    LOAN ORIGINATION FEE		$____________________
	802    LOAN DISCOUNT		$____________________
	803    APPRAISAL FEE		$____________________
	804    CREDIT REPORT		$____________________		PROPOSED MONTHLY PAYMENT
	805    PROPERTY INSPECTION FEE		$____________________
	810    PROCESSING FEE		$____________________		THIS PAYMENT ESTIMATE HAS BEEN ARRIVED
	811    TAX SERVICE FEE		$____________________		AT BY USING        %INTEREST @        YEARS.
	1101   SETTLEMENT OR CLOSING FEE		$____________________		THESE FIGURES ARE FOR CALCULATION
	1103   TITLE EXAM/TITLE SEARCH		$____________________		PURPOSES ONLY, AND DO NOT REPRESENT A
	1104   TITLE BINDER/TITLE COMMITMENT		$____________________		LOCK-IN COMMITMENT
	1105   DOCUMENT PREPARATION FEE		$____________________
	1108   TITLE INSURANCE		$____________________		PRINCIPAL & INTEREST		$____________________
	1111    MISC. TITLE FEES		$____________________		REAL ESTATE TAXES		$____________________
	1201    RECORDING FEES		$____________________		HAZARD INSURANCE		$____________________
	1301    SURVEY		$____________________		PMI		$____________________
	1303    EPA ENDORSEMENT		$____________________		CONDO/HOA DUES		$____________________
	1304    UNDERWRITING FEE		$____________________		OTHER : _______________		$____________________
	1305    FLOOD CERTIFICATION________		$____________________		OTHER : _______________		$____________________
	_____________________________				ESTIMATED
	TOTAL ESTIMATED CLOSING FEES				MONTHLY PAYMENT

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	ESTIMATED PREPAIDS AND ESCROWS				ESTIMATED DETAILS OF TRANSACTION
	*901    INTEREST ADJ.     DAYS@ $     /DAY		$___________________*		PURCHASE PRICE		$____________________
	902    MORTGAGE INS. 1ST YEAR		$____________________		REFI/MTG PAYOFF		$____________________
	903    (P) HAZARD INS. 1ST YEAR		$____________________		OTHER PAYOFF :		$____________________
	1001    (P) HAZARD INS. 2 MO. ESCROW		$____________________		CLOSING FEES		+____________________
	1001    (R) HAZARD INS.       MONTHS		$____________________		PREPAIDS/ESCROWS		+____________________
	1002    MORTGAGE INS. 3 MO. ESCROW		$____________________		SUBTOTAL		=
	(P)   PRORATION $ ESCROW TAXES     MO.		$____________________		LESS CREDITS :		$____________________
	(R)   ESCROW OF TAXES     MO.		$____________________		EMC LOAN AMOUNT		- $____________________
	_____________________________		____________________		EARNEST MONEY DEPOSIT		- $____________________
	_____________________________		____________________		EMC DEPOSIT		- $____________________
	TOTAL ESTIMATED PREPAIDS				ITEMS PAID BY SELLER		-
	TOTAL ESTIMATED CLOSING FEES AND PREPAIDS				CASH TO/FROM BORROWER

*	This interest calculation represents the greatest amount of interest you could be required to pay at settlement. The actural amount will be determined by which day of the month your settlement is conducted. To determine the amount you will have to pay, multiply the number of days remaining in the month in which you settle times $                      , which is the daily interest charge for your loan.
THIS FORM IS AN ESTIMATE AND MAY NOT COVER ALL ITEMS YOU COULD BE REQUIRED TO PAY IN CASH AT CLOSING. FOR EXAMPLE, THERE COULD BE OUTSTANDING ITEMS AS A RESULT OF THE TITLE SEARCH AND/OR ADJUSTMENTS TO THE CURRENT LENDER'S PAY OFF. YOU MAY WISH TO INQUIRE AS TO THE AMOUNTS OF SUCH OTHER ITEMS. ALTHOUGH EQUITABLE DOES NOT REQUIRE THE USE OF A PARTICULAR PROVIDER OF SETTLEMENT SERVICES, EQUITABLE WILL ORDER SUCH SERVICES FROM VARIOUS VENDORS WITH WHOM EQUITABLE MAY HAVE A BUSINESS RELATIONSHIP, IF THERE IS A PARTICULAR PROVIDER OR SERVICE YOU WISH TO USE, PLEASE NOTIFY EQUITABLE AT THE TIME OF LOAN APPLICATION.

__________________________________________		__________________________________________
APPLICANT                                                              DATE		EMC LOAN REPRESENTATIVE                 PRINTED NAME
__________________________________________		__________________________________________
APPLICANT                                                               DATE		DATE
"S" designates those costs to be paid by Seller.