Section 1100 - Title Charges: Title fees are determined by the title company and may include but aren't limited to closing or escrow fees, document preparation fees, notary fees, attorney fees, title insurance, endorsements, exam fees. These fees exist regardless of your lender choice.

Line 1001 to 1004:    Reserves deposited with Lender:

If your required to "escrow", you'll need to give x amount of months to Lender at time of settlement.  Your Title CO. will give you this number along with all these other cost BEFORE you go to settlement via a HUD 1. - (Ranges from 1 month up to 6 of your Hazard Insurance, Property taxes and (if required) Mortgage insurance.)

Line 1101:   Settlement or Closing Fee:

Title charges may cover a variety of services performed by title companies and others. Your particular settlement may not include all of the items below or may include others not listed. This fee is paid to the settlement agent or escrow holder (Title co.)  Responsibility for payment of this fee should be negotiated between the seller and the buyer.  - (Est. @ $200 to $400)

Lines 1102-1104:    Abstract of Title Search, Title Examination, Title Insurance Binder:

The charges on these lines cover the costs of the title search and examination.   - (Est. @ $75 to $150)

Line 1105:   Document Preparation

This is a separate fee that title companies charge to cover their costs of preparation of final legal papers, such as a mortgage, deed of trust, note or deed.   - (Est. @ $50 to $200)

Line 1107:   Attorney抯 Fees:

You may be required to pay for legal services provided to the lender such as an examination of the title binder. Occasionally, the seller will agree in the sales contract to pay part of this fee. The cost of your attorney and/or the seller抯 attorney may also appear here. If the lender requires an attorney抯 involvement, the fee will appear on this part of the form, or on lines 1111, 1112, or 1113.   - (Est. @ $50 to $150)

Line 1108:   Title Insurance:

The total of "Owners Insurance" (protects you and is optional)   and "Lender抯 Title Insurance" (protects the Lender)  is shown here.