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Hello all, I am nearing the end of buying a house.....we are waiting on title search to come back and then it goes into review for final Clear to Close. Until then I am trying to figure out the numbers on my GFE and the Estimate from LO......I am confused and his office is not good about returning calls. Purchase Price $144000 Seller Concession $8640 Gross Purchase Price $152640 GFE: Estimate From LO: Initial Loan amt: $149,874 Loan Discount Fee: $563.41 Loan term: 30 yrs Appraisal Fee: $495 (paid) Interest Rate: 4.125% Mortgage App Fee: $599 Initial amt owed for principal, interest, and mortgage ins: $890.77 Interest: $254.07 Settlement or closing fee: $525 Origination Charge: $805 Title Ins Binder: $1200 Points for interest rate: $560.53 Buyer Attorney Fee: $375 Recording Fees: $250 Appraisal $495 (already paid) NYS Motrgage Tax: $1502 Mortgage Ins Premium: $2577.70 Homeowners (1yr Paid in full) $600 Title Ins Services and Lenders title Ins: $1795 Reserves Deposited with Lender: Owners Title Ins: $472 Homeowners $100 Property Taxes $ 2733 Gov't Recording Charges: $350 Transfer Taxes: $1124.25 Initial deposit for escrow: $2883.30 Purchase Price $152640 Daily Interest Charges: $372.63 Total Estimated Closing Costs $5509.41 Total Estimated Reserve/Prepaid Costs $3687.40 Homeowners Ins: $600 FHA UFMIP $2577.71 Total Costs "C" $164414.52 ESTIMATED SETTLEMENT CHARGES: $12035.41 Loan Amt $147297.60 Seller Concession $8640 FHA UFMIP Financed $2577.71 Earnest Deposit $500 Total Credits "D" $159015.31 CASH TO CLOSE "C" - "D" $5399.21 Not sure if I take the GFE and subtract the seller contributions of $8640 or if I should just go with what lender gave me......? I dont know where my down payment falls in all of this....I am trying to make sure I have enough funds to close and these figures are not even close!! PLEASE Help me understand!