Where on the HUD settlement statement can I find points, originaion fees, or PMI that I paid on my refiance?

Where to Find Additional Home Financing Expenses

The final contract, settlement statement, or escrow statement (part of your loan paperwork) shows your loan proceeds. This form may lead to additional deductions, such as:

 - Interest paid to a third party or financial institution that was not reported on Form 1098
 - Points, or loan origination fees, that were not reported on Form 1098
 - Real estate (property) taxes paid
 - Mortgage insurance premiums paid (also called PMI or MIP)
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    You may want to look on the HUD.Gov site
    .
    Forms are at:
    .
    http://www.hud.gov/offices/adm/hudclips/forms/hud1.cfm
    .
    There are two forms that may indicate mortgage  interest and a form of mortgage  interest called points, real estate taxes and.  Mortgage Insurance Premiums are included on Schedule A with Mortgage Interest.
    .
    On the HUD-1 form,
    .
    Page 1:
    .
    Summary of Borrower's - Adjustment for items paid by seller in advance
    .
     Lines 106, 107, 108, are related to property taxes
    .
    Lines 106 through 112 are for items which the Seller had paid in
    advance, and for which the Borrower must therefore reimburse the Seller.
    .
    Summary of Borrower's  - Adjustments for items unpaid by seller
    .
    210, 211, 212, are related to property taxes
    .
    Lines 210 through 219 are for items which have not yet been paid,
    and which the Borrower is expected to pay, but which are attributable in
    part to a period of time prior to the settlement.
    .
    Summary of Seller's  - Adjustment for items paid by seller in advance
    .
     406,407,408, are related to property taxes
    .
    Instructions for the use 106-112 above, apply also to Lines 401-412.
    for which the Borrower must therefore reimburse the Seller
    .
    Summary of Seller's  - Adjustments for items unpaid by seller
    .
    510, 511, and 512 are related to property taxes
    .
    Instructions for the use of Lines 510 through 519 are the same as
    those for Lines 210 to 219 above are for items which have not yet been paid,
    and which the Borrower is expected to pay, but which are attributable in
    part to a period of time prior to the settlement.

    .
    Page 2:
    .
    Lines 801,
    .
    Line 801 is used to record ``Our origination charge,'' which
    includes all charges received by the loan originator, except any charge
    for the specific interest rate chosen (points). This number must not be
    listed in either the buyer's or seller's column. The amount shown in
    Line 801 must include any amounts received for origination services,
    including administrative and processing services, performed by or on
    behalf of the loan originator.
    .
     802 and 803 refer to Points.  Note references to GFE
    .
    Line 802 is used to record ``Your credit or charge (points) for the
    specific interest rate chosen,'' which states the charge or credit
    adjustment as applied to ``Our origination charge,'' if applicable. This
    number must not be listed in either column or shown on page one of the
    HUD-1.
    .
        For a mortgage broker originating a loan in its own name, the amount
    shown on Line 802 will be the difference between the initial loan amount
    and the total payment to the mortgage broker from the lender. The total
    payment to the mortgage broker will be the sum of the price paid for the
    loan by the lender and any other payments to the mortgage broker from
    the lender, including any payments based on the loan amount or loan
    terms, and any flat rate payments. For a mortgage broker originating a
    loan in another entity's name, the amount shown on Line 802 will be the
    sum of all payments to the mortgage broker from the lender, including
    any payments based on the loan amount or loan terms, and any flat rate
    payments.
    .
        In either case, when the amount paid to the mortgage broker exceeds
    the initial loan amount, there is a credit to the borrower and it is
    entered as a negative amount. When the initial loan amount exceeds the
    amount paid to the mortgage broker, there is a charge to the borrower
    and it is entered as a positive amount. For a lender, the amount shown
    on Line 802 may include any credit or charge (points) to the Borrower.
    .
        Line 803 is used to record ``Your adjusted origination charges,''
    which states the net amount of the loan origination charges, the sum of
    the amounts shown in Lines 801 and 802. This amount must be listed in
    the columns as either a positive number (for example, where the
    origination charge shown in Line 801 exceeds any credit for the interest
    rate shown in Line 802 or where there is an origination charge in Line
    801 and a charge for the interest rate (points) is shown on Line 802) or
    as a negative number (for example, where the credit for the interest
    rate shown in Line 802 exceeds the origination charges shown in Line
    801).
    .

    [[Page 370]]
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        In the case of ``no cost'' loans, where ``no cost'' refers only to
    the loan originator's fees, the amounts shown in Lines 801 and 802
    should offset, so that the charge shown on Line 803 is zero. Where ``no
    cost'' includes third party settlement services, the credit shown in
    Line 802 will more than offset the amount shown in Line 801. The amount
    shown in Line 803 will be a negative number to offset the settlement
    charges paid indirectly through the loan originator.
    .
    Line 901 refers to Mortgage interest,   Note references to GFE
    .
    Line 901 is used if interest is collected at settlement for a part
    of a month or other period between settlement and the date from which
    interest will be collected with the first regular monthly payment. Enter
    that amount here and include the per diem charges. If such interest is
    not collected until the first regular monthly payment, no entry should
    be made on Line 901.
    .
    Line 902 refers to mortgage insurance premiums.   Note references to GFE
    .
    Line 902 is used for mortgage insurance premiums due and payable at
    settlement, including any monthly amounts due at settlement and any
    upfront mortgage insurance premium, but not including any reserves
    collected by the Lender and recorded in the 1000-series. If a lump sum
    mortgage insurance premium paid at settlement is included on Line 902, a
    note should indicate that the premium is for the life of the loan.
    .
    • To the point -> How to populate "Points" in Schedule A Line 12 from the Settlement Statement? 801 or 802???? Also is total Amount - "Points" deductable or partly deductable for the length of the loan?
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