VA FEE CHART

ALLOWABLE FEES

UNALLOWABLE FEES

Advance (1st Yr.):  Property Taxes

Administrative Fee

Appraisal

Amortization Schedule Fee

Buy-Downs

Application Fee

Commitment Fee (only when no origination fee is charged)

Assignment Fee

Compliance Inspections

Broker Fee

Courier Fee (Refinance Only…Title Only)

Closing Fee

Discount Points - 2% max financed

Commission (Real Estate)

Doc Stamps on the Note/Mortgage

Commitment Fees (When Origination fee is charged)

**Flat Charge (up to 1% of the loan amount including financed funding fee)

Conveyance Fee

Flood Certification Fee

Courier Fee - Purchase Only (Title Only)

Funding Fee

Decorating Allowances

HOA Assessments

Deposit Verification Fees

Home Inspection Fee

Disbursement Fee

Intangible Tax on the Mortgage

Document Preparation Fee

Interest Credit (Purchase)

Escrow Fees

Interest Credit (Refinance)

Finders Fee

Mortgage Payment Protection Insurance

Interest Rate Lock-in Fees

Non-Realty Items (Contract Must State Borrower to Buy)

Inspection Fee Paid By Lender (seller non-compliance)

**Origination Fee - 1% Max

Judgment Fee

Pest Inspection

Lenders Appraisals/Inspections (except in construction)

Prepaids

Lending Fee

Property Taxes and Assessments

Loan Application Fee

Re-certification and Assessments

Lock-In Fee

Recording Fee

Messenger Fee

Repairs (Contract Must State Borrower to Pay)

Mortgage Credit Certificate (MCC)

Survey

Moving Expenses

Tax certification (Refinance Only)

Name Affidavit Fee

Tests or Treatments Required by VA

Notary Fee

Title Endorsements

Passbook/Membership or Entrance Fees

Title Examination Fee

Personal Property Photos

Title Insurance (Owner/Lender)

Postage/Mailing Charges/Stationary/Phone Calls, etc.

Title Search

Preparing Loan Paper Fees

Transfer Tax

Prep Fees for Truth-In-Lending

Processing Fee

Real Estate Commission

Re-Draw Fee

Rent Credit Excess

Repairs Escrow Fee

Servicing Fee

Settlement Fee

Tax Service Fee

Trustee Fee

**Underwriting Fee

Warehousing Fee

Wire Fee

Any other fee not listed as "Allowable" on this matrix

** Gateway's Underwriting Fee will be listed as POC-L and deducted from either the Loan Originators Origination Fee or Yield Spread Premium.

Seller Concessions/Seller Paid Closing Costs may not exceed 4% of Purchase Price.

VA Funding Fee must be on one line, in Total, and may not be "split" between different fee lines.