TRID Fee Placement and Tolerance Chart

As of 10/1/2017 By VS

Loan Estimate

ZERO Tolerance

10% Tolerance

Unlimited Tolerance

Section A.

Origination

Charges

Section B. Services

You Cannot Shop

For

Section E.

Taxes and Other

Government Fees

Section E.

Taxes and Other

Government Fees

Section C.

Services You

May Shop For

Section F.

Prepaids

Section G.

Initial Escrow

Payment

Section H.

Other

Maximum of 13 fees

Only fixed items

permitted

Only fixed items

permitted

Maximum of 14 fees

+ Addendum

Fixed items+3 fees

Fixed items+5 fees

Maximum of 5 fees

 Application Fee

 Assumption Fees

 Automated UW

 Broker

Compensation

 Discount Points

(__% of Loan

Amount (Points))

 Escrow Waiver

 Lender Appraisal

 Lender Inspections

 Loan Level Pricing

Adjustments(LLP

 Mortgage Broker

Fee

 Origination Fee

 Processing Fee

 Rate Lock

Extension

 Tax Transcript Fee

 Tax Service Fee

 Underwriting Fee

 Verification Fee

(Employment,

Deposit, etc. by

Lender)

 Warehouse Fee

 Appraisal Fee

 Appraisal

Management Fee

 Credit Report

 Document

Preparation

(Lenders Attorney)

 Flood

Determination

 Flood Monitoring

 Gov’t Funding

Fees (Assistance

Programs)

 HOA Certification

 MERS

Registration

 Survey (Required)

 Tax Status

Research Fee

 Third Party

Subordination Fee

 Title-Closing

Protection Letter

 Upfront MI FHA

(UFMIP)

 USDA Guarantee

Fee

 VA Funding Fee

 Verification Fee

Party)

 Title-Search

 Transfer Taxes

(Includes;

Intangible Tax,

Tax Stamps and

any tax based on a

percentage of the

loan amount or

sales price)

 Assignment

Recording

 County deed

stamps (if not %)

 POA recording

 Release recording

 Revenue Stamps

(if not %)

 Subordination

Recording

Note: No additional

lines may be added for

recording. Any other

recording fees will be

totaled with Mortgage

and Deed on one line.

 Title-Closing Fee

 Pest inspection

fee

 Title-Settlement

fee

 Survey

(Required/

Shopable)

 Termite

Inspection

 Title- Lender’s

Title Policy

 Title-

Search(SPL)

 Title – All

services provided

 Title-Warranty

Deed (lender

required)

 Homeowner’s

Insurance

 Flood Insurance

 Mortgage

Insurance (PMI

Single Premium

(based on

specific length of

time)

 Prepaid Interest

(per diem)

 Real Estate

Taxes

 Past Due Real

Estate Taxes

Note: Services not

required by the lender

may be provided by

the creditor or its

affiliates and remain

in the unlimited

tolerance category if

disclosed in good

faith.

Deposit / Escrow

Cushion For:

 Homeowner’s

 Flood Insurance

 Monthly

MIP/PMI

 Real Estate

Taxes

 Real Estate Broker

Commissions (paid

by consumer only

on LE)

 Credit Life &

Disability

Insurance

 Debt Cancellation

or Suspension

Insurance

 HOA or Condo

Transfer Fees (all

fees associated

with transfer)

 Home Warranty-

Appliances and

systems (optional)

 Inspection fees

(Per Sales

Contract/Not

required by lender)

 Title-Owners Title

Policy (optional)

 Survey Fee(At

consumer’s option)

 Warranty Deed

(seller’s paid by

consumer)

 Title-OTP

Endorsements

(Optional)

Closing Disclosure

ZERO Tolerance

10% Tolerance

Unlimited Tolerance

Section A.

Origination

Charges

Section B.

Services You Did

Not Shop For

Section E.

Taxes and Other

Government Fees

Section E.

Taxes and Other

Government Fees

Section C.

Services You Did

Shop For

Section F.

Prepaids

Section G.

Initial Escrow

Payment

Section H.

Other

Note: Any fee which is

charged by creditor, or

investor, is by proxy

considered charged by

an originator, and

disclosed in Section A.

Example: LLPA, Rate

Extensions, Tax Service

Note: If you did not

provide a list, or

redisclosed for a

shopable fee without

a new provider list

option, the fee(s) will

be 10% tolerance.

Note: Transfer Taxes-

Be sure to verify

these fees in any state

you are not familiar

with. It is a simple

and often costly

mistake.

Section B.

Services You Did

Not Shop For

Note: Any service

provided in association

with the title order will

be labeled “Title -“ and

follow title fees even if

third party. Example:

notary, or e-recording.

Note: This includes

any past due taxes,

taxes due within 60

days, and first year’s

premiums to be paid

out on insurance.

Note: This includes

amounts paid into

escrow account to be

disbursed at a later

time, and cushion.

Note: Section

includes optional

fees, and R.E. fees

required per the

purchase contract,

which are not

required by the lender

Note: Services selected

from provider list will

maintain a 10% tolerance.

Yes

Did the consumer

select a provider

from your list?

Are any of the

WLSP provider’s

your affiliates?

Yes