Projected Payments Loan Terms Can this amount increase after closing? Loan Amount $162,000 NO Interest Rate 3.875% NO Monthly Principal & Interest See Projected Payments below for your Estimated Total Monthly Payment $761.78 NO Does the loan have these features? Prepayment Penalty YES • As high as $3,240 if you pay off the loan during the first 2 years Balloon Payment NO Costs at Closing CLOSING DISCLOSURE PAGE 1 OF 5 • LOAN ID # 123456789 Payment Calculation Y ears 1-7 Y ears 8-30 Principal & Interest Mortgage Insurance Estimated Escrow Amount can increase over time $761.78 + 82.35 + 206.13 $761.78 + — + 206.13 Estimated Total Monthly Payment $1,050.26 $967.91 Estimated Taxes, Insurance & Assessments Amount can increase over time See page 4 for details $356.13 a month See E

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