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1 Uniform Closing Dataset (UCD) Specification Issued by Fannie Mae and Freddie Mac Appendix F: UCD Sample Use Case Purchase/Fixed Rate Document Version 1.1 February 24, 2015 In support of the Integrated Mortgage Closing Disclosure under the Real Estate Settlement Procedures Act (Regulation X) and the Truth In Lending Act (Regulation Z) Issued by the CONSUMER FINANCIAL PROTECTION BUREAU Published in the Federal Register on December 31, 2013 This document relates to the Uniform Mortgage Data Program, an effort undertaken jointly by Freddie Mac and Fannie Mae at the direction of their regulator, the Federal Housing Finance Agency Freddie Mac and Fannie Mae. All Rights Reserved. MISMO is a registered trademark of the Mortgage Industry Standards Maintenance Organization.

2 Revision History Date Version # Descriptions July 15, Initial version February 24, Updated information in Assumptions for the XML file creation Corrected value for Added row numbering for 15.6 and Removed Loan Acceptance statement in 22.1 Purchase/Fixed Rate pg. 2

3 I. Introduction In conjunction with the UCD, the GSEs have published four sample use cases called, Appendix F: UCD Sample Use Cases, to serve as examples of how the Closing Disclosure may be populated for specific business transactions. Additionally, each use case in Appendix F has a corresponding sample XML file in Appendix G: UCD Sample XML Files. Each field on the sample use cases in Appendix F contains a red number that can be used to identify the corresponding MISMO data point(s) and definitions provided in Appendix B: Closing Disclosure Mapping to the MISMO v3.3 Reference Model. Because the Closing Disclosure is a dynamic form with varying required data points based on the loan or transaction characteristics, each use case illustrates a unique business transaction (e.g., Purchase/Fixed, Purchase/ARM, Non-Seller/Fixed, Non-Seller/ARM). In certain cases where values are dependent on lender calculations such as in the Loan Calculations section on p.5, a plug value (e.g. $1 or 1%) has been reflected. The use cases in Appendix F were created solely by the GSEs to assist in understanding the UCD and are not samples promulgated by the CFPB. II. Using this Reference A. Text Color Legend 1. Black: Text that appears on Exhibit H-25(A) is shown in black font. 2. Red: Form reference numbers. 3. Blue: Used if the inclusion of a particular data section, block, or detail depends on the type of loan product (e.g., in the Contact information such as; Mortgage Broker and Real Estate Broker (listing) and Real Estate Broker (selling) 4. Green: Clarifies the type of data and value that must be provided (e.g., $ and % ) or when data must be provided (e.g., or and (Complete if yes). All non-black text should be used for reference only and is not to be considered part of the regulatory requirements. B. Form Reference Number Format The reference numbers increase chronologically by logical form section, generally moving from left to right and then down the form. The numbers have the following format, where n is a sequential number: 1. n.0 - Identifies a form section. These are the highest level numbers on the form. For transactions with sellers, there can be up to 24 form sections, depending on the loan product ( ). 2. n.m Identifies a block of data (m) within a form section (n). For example, in Section 1.0, there are 7 blocks of data ( ). 3. n.m.o Identifies additional details (o) about a block of data (m) within a form section (n). For example, in Section 4.1, up to three additional sets of details can be provided about 4.1-Loan Amount: the loan amount in dollars, an indicator of whether the loan amount can increase, and if the loan amount can increase details about how that could occur. C. Identical Values Required in More than one Form Location 1. In several instances, an identical value appears in more than one location on the Closing Disclosure. While identical values generally are mapped using the same data points and xpaths (and only have one instance in the XML file), there are instances where a value may be mapped using different xpaths (e.g. using document-specific containers vs. containers such as FEE, LOAN_DETAIL, etc.) depending on its location on the form. The endnotes at the back of this Use Case highlight identical values that have multiple mappings. 2. In the case of the Summaries of Transactions table (Sections ), there are several values from the BORROWER s TRANSACTION side that by regulation should be equal to corresponding values on the SELLER s TRANSACTION side. These values are mapped separately and sent twice in the XML file because they are structured within the XML file to be associated with each side of table. These are noted as cross references in the Cross Reference Table. Purchase/Fixed Rate pg. 3

4 D. Calculated Values Throughout the form, the reported values for two or more data points may be operated on mathematically to yield the value for yet another data point for example, subtotals are combined to equal totals. Although these values are functionally equivalent, they are usually sent as unique data points in the transmitted XML file. E. Indicating Zeroes or Blanks As a general rule, when a given entry is not applicable for the Closing Disclosure, the amount field is to be left blank. Only those cases where a zero should be entered are noted on this form. F. Assumptions for the XML file creation The following GSE Required data points are needed for the XML file creation but the values are not calculated using information in this Use Case, rather they are plug numbers for illustrative purposes only. AbilityToRepayMethodType = General AveragePrimeOfferRatePercent = 3.5% LoanPriceQuoteInterestRatePercent = 1% RegulationZExcludedBonaFideDiscountPointsPercent =.25% RegulationZExcludedBonaFideDiscountPointsIndicator = true RegulationZTotalAffiliateFeesAmount = $150 RegulationZTotalLoanAmount = $140,000 RegulationZTotalPointsAndFeesAmount = $4,000 Additional information for the XML file includes: CurrentRateSetDate = 4/1/2013 LicenseIssuingAuthorityStateCode= ST LicenseAuthorityLevelType = PublicState LicenseIssuingAuthorityName = StateAuthority LicenseIssueDate= 1/1/2000 LoanIdentifierType = MERS_MIN LoanIdentifier (for MERS_MIN) = One fee has been designated as an affiliate provider fee. This includes: Pest Inspection Fee The sales contract designates a value for Real Property of $180,000, and a value for Personal Property of $5,000 The Escrow Aggregate Adjustment calculation assumes a $200 cushion No personal property is being pledged as collateral for the loan The Loan Calculations values on p.5 of this Use Case (i.e. Total of Payments, Finance Charge, Amount Financed, Annual Percentage Rate (APR) and Total Interest Percentage (TIP)) are not calculated using information in this Use Case and are plug numbers for illustrative purposes only. III. Disclaimer The attached sample Use Case captures the UCD workgroup s collective efforts to develop a complete and accurate representation of the data required by the CFPB s Integrate Mortgage Disclosures regulation for this sample loan transaction. The amounts reflected in this sample Use Case are for illustrative purposes only and are not meant to indicate a standard or customary charge for any particular cost, insurance or fee in every jurisdiction. The loan characteristics shown are for demonstration of the resulting effect on the required sections, calculations and disclosures and are not meant to imply that such loans are eligible for delivery to Fannie Mae or Freddie Mac. While every caution has been taken to illustrate all calculations accurately given a detailed review of the Integrated Disclosures Regulation, we do not provide any warranty or make any guarantee concerning the utility, completeness or accuracy of the document. Purchase/Fixed Rate pg. 4

5 0.1 Closing Disclosure This form is a statement of final loan terms and closing costs. Compare this document with your Loan Estimate. 1.0 Closing Information 2.0 Transaction Information 3.0 Loan Information 1.1 Date Issued 4/07/ Borrower Michael Jones & Mary Stone 3.1 Loan Term 30 Years 1.2 Closing Date 4/15/ Anywhere Street 3.2 Purpose Purchase 1.3 Disbursement Date 4/15/2013 Anytown, ST Product Fixed Rate 1.4 Settlement Agent Epsilon Title Company 2.2 Seller Steve Cole and Amy Doe 1.5 File # Somewhere Drive 3.4 Loan Type Conventional FHA 1.6 Property 456 Somewhere Ave. Anytown, ST VA Anytown, ST Lender Ficus Bank 3.5 Loan ID # Sale Price $180, MIC # Loan Terms 4.0 Can this amount increase after closing? 4.1 Loan Amount $144, NO Interest Rate % NO Monthly Principal & Interest See Projected Payments below for your Estimated Total Monthly Payment $ NO Does the loan have these features? 4.4 Prepayment Penalty NO Balloon Payment NO Projected Payments Payment Calculation Years Principal & Interest $ Mortgage Insurance $0 5.4 Estimated Escrow Amount can increase over time 5.5 Estimated Total Monthly Payment 5.6 Estimated Taxes, Insurance & Assessments Amount can increase over time See page 4 for details $ $ $ a month This estimate includes Property Taxes Homeowners Insurance Other: Homeowner s Association Dues In escrow? YES YES NO See Escrow Account on page 4 for details. You must pay for other property costs separately. Costs at Closing Closing Costs $8, Includes $4, in Loan Costs $4,248.79in Other Costs $0 in Lender Credits. See page 2 for details. 6.2 Cash to Close $17, Includes Closing Costs. See Calculating Cash to Close on page 3 for details. CLOSING DISCLOSURE PAGE 1 OF 5 LOAN ID # Purchase/Fixed Rate pg. 5

6 Closing Cost Details Loan Costs 7.0 Borrower-Paid Seller-Paid Paid by At Closing Before Closing At Closing Before Closing Others 7.1 A. Origination Charges $1, % 7.2 of Loan Amount (Points) $ Application Fee $ Manual Underwriting Fee $ B. Services Borrower Did Not Shop For $ Appraisal Field Review Fee to John Smith Appraisers Inc $ (L) 02 Credit Report Fee to Information, Inc. $ Flood Certification Fee to Info Co. $ Property Tax Status Research Fee to Property Research Inc. $ C. Services Borrower Did Shop For $2, Pest Inspection Fee to Pests Co $ Survey Fee to Surveys Co. $ Title Examination Fee to Epsilon Title Co. $ Title Insurance Binder Fee to Epsilon Title Co. $ Title Lenders Coverage Premium to Epsilon Title Co. $ Title Title Endorsement Fee to Epsilon Title Co. $ D. TOTAL LOAN COSTS (Borrower-Paid) $4, Loan Cost Subtotals (A + B + C) $4, $40.00 Other Costs E. Taxes and Other Government Fees $ Recording Fees 8.2 Deed: $ Mortgage: $ $ Transfer taxes to Any State $ F. Prepaids $2, Homeowner s Insurance Premium (12 mo.) to Insurance Co $1, Mortgage Insurance Premium to Prepaid Interest ($15.50 per day from 4/15/13 to 5/1/13) $ Property Taxes (5 mo.) to Any City USA $ Property Taxes (6 mo.) to Any County USA $ G. Initial Escrow Payment at Closing $ Homeowner s Insurance ($ per month for 2 mo.) $ Mortgage Insurance ( per month for mo.) Property Taxes ($75.00 per month for 2 mo.) $ Property Taxes ($80.00 per month for 3 mo.) $ Aggregate Adjustment $ H. Other $ 1, HOA Special Assessment to HOA Acre Inc $ Home Inspection Fee to Engineers Inc. $ Home Warranty Fee to XYZ Warranty Inc. $ Real Estate Commission Seller s Broker to Alpha Real Estate Broker $5, Real Estate Commission Buyer s Broker to Omega Real Estate Broker $5, Title Owners Coverage Premium (optional) to Epsilon Title Co. $ I. TOTAL OTHER COSTS (Borrower-Paid) $4, Other Costs Subtotals (E + F + G + H) $4, J. TOTAL CLOSING COSTS (Borrower-Paid) $8, Closing Costs Subtotals (D + I) $8, $ $12, $ $ Lender Credits CLOSING DISCLOSURE PAGE 2 OF 5 LOAN ID # Purchase/Fixed Rate pg. 6

7 Calculating Cash to Close 10.0 Use this table to see what has changed from your Loan Estimate. Loan Estimate Final Did this change? 10.1 Total Closing Costs (J) $8, $8, YES See Total Loan Costs (D) and Total Other Costs (I) 10.2 Closing Costs Paid Before Closing $ $ YES You paid these Closing Costs before closing 10.3 Closing Costs Financed (Paid from your Loan Amount) $ $ NO Down Payment/Funds from Borrower $41, $41, NO Deposit $10, $10, NO Funds for Borrower $ $ NO Seller Credits $ $2, YES See Seller Credits in Section L 10.8 Adjustments and Other Credits $ $19, YES See details in Sections K & L 10.9 Cash to Close $39, $17, Summaries of Transactions BORROWER S TRANSACTION ( ) Use this table to see a summary of your transaction. SELLER S TRANSACTION 11.0 K. Due from Borrower at Closing $193, M. Due to Seller at Closing $185, Sale Price of Property $180, Sale Price of Property $180, Sale Price of Personal Property Included in Sale $5, Sale Price of Personal Property Included in Sale $5, Closing Costs Paid at Closing (J) $8, Adjustments Adjustments for Items Paid by Seller in Advance Adjustments for Items Paid by Seller in Advance City/Town Taxes to City/Town Taxes to County Taxes to County Taxes to Assessments to Assessments to HOA Dues 4/15/13 to 4/30/ $ HOA Dues 4/15/13 to 4/30/ $ L. Paid Already by or on Behalf of Borrower at Closing $175, N. Due from Seller at Closing $140, Deposit $10, Excess Deposit Loan Amount $144, Closing Costs Paid at Closing (J) $12, Existing Loan(s) Assumed or Taken Subject to Existing Loan(s) Assumed or Taken Subject to Payoff of First Mortgage Loan $100, Second Loan (Principal Balance $19,000) $18, Payoff of Second Mortgage Loan $25, Seller Credit $2, Other Credits Rebate from Epsilon Title Co. $ Seller Credit $2, Adjustments Adjustments for Items Unpaid by Seller Adjustments for Items Unpaid by Seller City/Town Taxes 12/15/12 to 4/14/ $ City/Town Taxes 12/15/12 to 4/14/ $ County Taxes 1/15/13 to 4/14/ $ County Taxes 1/15/13 to 4/14/ $ Assessments to Assessments to CALCULATION 16.0 CALCULATION 13.1 Total Due from Borrower at Closing (K) $193, Total Due to Seller at Closing (M) $185, Total Paid Already by or on behalf of Borrower at Closing (L) $175, Total Due from Seller at Closing (N) $140, Cash to Close From To Borrower $17, Cash to Close From To Seller $44, CLOSING DISCLOSURE PAGE 3 OF 5 LOAN ID # Purchase/Fixed Rate pg. 7

8 Additional Information About This Loan Loan Disclosures Assumption If you sell or transfer this property to another person, your lender will allow, under certain conditions, this person to assume this loan on the original terms. will not allow assumption of this loan on the original terms Demand Feature Your loan has a demand feature, which permits your lender to require early repayment of the loan. You should review your note for details. does not have a demand feature Late Payment If your payment is more than 10 days late, your lender will charge a late fee of 5% of the monthly principal and interest payment Negative Amortization (Increase in Loan Amount) Under your loan terms, you are scheduled to make monthly payments that do not pay all of the interest due that month. As a result, your loan amount will increase (negatively amortize), and your loan amount will likely become larger than your original loan amount. Increases in your loan amount lower the equity you have in this property. may have monthly payments that do not pay all of the interest due that month. If you do, your loan amount will increase (negatively amortize), and, as a result, your loan amount may become larger than your original loan amount. Increases in your loan amount lower the equity you have in this property. do not have a negative amortization feature Partial Payments Your lender may accept payments that are less than the full amount due (partial payments) and apply them to your loan. may hold them in a separate account until you pay the rest of the payment, and then apply the full payment to your loan. does not accept any partial payments. If this loan is sold, your new lender may have a different policy Security Interest You are granting a security interest in 456 Somewhere Ave, Anytown, ST You may lose this property if you do not make your payments or Satisfy other obligations for this loan Escrow Account For now, your loan 18.1 will have an escrow account (also called an impound or trust account) to pay the property costs listed below. Without an escrow account, you would pay them directly possibly in one or two large payments a year. Your lender may be liable for penalties and interest for failing to make a payment. Escrow Escrowed Property Costs over Year 1 Non-Escrowed Property Costs over Year 1 Initial Escrow Payment Monthly Escrow Payment 18.2 $3, $1, $ $ Estimated total amount over year 1 for your escrowed property costs: Homeowner s Insurance, Property Taxes Estimated total amount over year 1 for your non-escrowed property costs: Homeowner s Association Dues You may have other property costs. A cushion for the escrow account you pay at closing. See Section G on page 2. The amount included in your total monthly payment. 18.1, cont d will not have an escrow account because you declined it your lender does not offer one. You must directly pay your property costs, such as taxes and homeowner s insurance. Contact your lender to ask if your loan can have an escrow account. No Escrow Estimated Property Costs over Year 1 Escrow Waiver Fee 18.7 In the future, 18.6 Estimated total amount over year 1. You must pay these costs directly, possibly in one or two large payments a year. Your property costs may change and, as a result, your escrow payment may change. You may be able to cancel your escrow account, but if you do, you must pay your property costs directly. If you fail to pay your property taxes, your state or local government may (1) impose fines and penalties or (2) place a tax lien on this property. If you fail to pay any of your property costs, your lender may (1) add the amounts to your loan balance, (2) add an escrow account to your loan, or (3) require you to pay for property insurance that the lender buys on your behalf, which likely would cost more and provide fewer benefits than what you could buy on your own. CLOSING DISCLOSURE PAGE 4 OF 5 LOAN ID # Purchase/Fixed Rate pg. 8

9 Loan Calculations 21.0 Total of Payments. Total you will have paid after you make all payments of principal, interest, mortgage insurance, and loan costs, as scheduled $1 Finance Charge. The dollar amount the loan will cost you $1 Amount Financed. The loan amount available after paying your upfront finance charge $1 Annual Percentage Rate (APR). Your costs over the loan term expressed as a rate. This is not your interest rate % Total Interest Percentage (TIP). The total amount of interest that you will pay over the loan term as a percentage of you loan amount % Amounts in the table above have intentionally been represented as a value of 1 because calculation assumptions are lender and product specific Other Disclosures 22.0 Appraisal If the property was appraised for your loan, your lender is required to give you a copy at no additional cost at least 3 days before closing. If you have not yet received it, please contact your lender at the information listed below. Contract Details See your note and security instrument for information about what happens if you fail to make your payments, what is a default on the loan, situations in which your lender can require early repayment of the loan, and the rules for making payments before they are due Liability after Foreclosure If your lender forecloses on this property and the foreclosure does not cover the amount of unpaid balance on this loan, state law may protect you from liability for the unpaid balance. If you refinance or take on any additional debt on this property, you may lose this protection and have to pay any debt remaining even after foreclosure. You may want to consult a lawyer for more information. state law does not protect you from liability for the unpaid balance.? Questions? If you have questions about the loan terms or costs on this form, use the contact information below. To get more information or make a complaint, contact the Consumer Financial Protection Bureau at Loan Acceptance You do not have to accept this loan because you have received this form or signed a loan application. Refinance Refinancing the loan will depend on your future financial situation, the property value, and market conditions. You may not be able to refinance this loan. Tax Deductions If you borrow more than this property is worth, the interest on the loan amount above this property s fair market value is not deductible from your federal income taxes. You should consult a tax advisor for more information. Contact Information 23.0 Lender Mortgage Broker Real Estate Broker (B) Name Ficus Bank Omega Real Estate Broker Inc Address Random Blvd. Somecity, ST NMLS ID Local Lane Sometown, ST Real Estate Broker (S) Alpha Real Estate Broker Inc Suburb Ct. Someplace, ST Settlement Agent Epsilon Title Company Commerce Pl. Somecity, ST State Code + License ID ST ST ST Contact Joe Smith Samuel Green Joseph Cain Sarah Arnold 23.6 Contact NMLS ID Contact State Code + License ID joe_smith@ficusbank.com ST ST ST sam@omegare.biz joe@alphare.biz sarah@epsilontitle.com 23.9 Phone Confirm Receipt 24.0 By signing, you are only confirming that you have received this form. You do not have to accept this loan because you have signed or received this form Applicant Signature 24.2 Date 24.1 Co-Applicant Signature 24.2 Date CLOSING DISCLOSURE PAGE 5 OF 5 LOAN ID # Purchase/Fixed Rate pg. 9

10 Endnotes Cross Reference Table for Closing Disclosure Reference Numbers Form Reference Identical Form Values with Cross Reference Cross Reference Calculation Number Multiple Mappings mapped to LOANS/LOAN/PAYMENT/PAYMENT_RULE 5.5 and mapped to IFIC_DATA_SET/INTEGRATED_DISCLOSURE/PROJECTED _PAYMENTS/PROJECTED_PAYMENT mapped to...loans/loan/payment/payment_rule mapped to IFIC_DATA_SET/INTEGRATED_DISCLOSURE/PROJECTED _PAYMENTS/PROJECTED_PAYMENT mapped to...loans/loan/payment/payment_rule mapped to IFIC_DATA_SET/INTEGRATED_DISCLOSURE/PROJECTED _PAYMENTS/PROJECTED_PAYMENT mapped to...loans/loan/payment/payment_rule 5.5 and mapped to IFIC_DATA_SET/INTEGRATED_DISCLOSURE/PROJECTED _PAYMENTS/PROJECTED_PAYMENT mapped to...loans/loan/payment/payment_rule 5.5 and mapped to IFIC_DATA_SET/INTEGRATED_DISCLOSURE/PROJECTED _PAYMENTS/PROJECTED_PAYMENT mapped to IFIC_DATA_SET/INTEGRATED_DISCLOSURE/ESTIMATED _PROPERTY_COST/ESTIMATED_PROPERTY_COST_COM PONENTS/ESTIMATED_PROPERTY_COST_COMPONENT mapped to D_DISCLOSURE_DETAIL mapped to IFIC_DATA_SET/INTEGRATED_DISCLOSURE/ESTIMATED _PROPERTY_COST/ESTIMATED_PROPERTY_COST_COM PONENTS/ESTIMATED_PROPERTY_COST_COMPONENT mapped to D_DISCLOSURE_DETAIL and mapped to D_DISCLOSURE_SECTION_SUMMARIES/INTEGRATED_DI SCLOSURE_SECTION_SUMMARY/INTEGRATED_DISCLOS URE_SECTION_SUMMARY_DETAIL mapped to Purchase/Fixed Rate pg. 10

11 Form Reference Identical Form Values with Cross Reference Cross Reference Calculation Number Multiple Mappings and mapped to...loans/loan/closing_information/closing_inf ORMATION_DETAIL mapped to or Sum of (8.5.2 through 8.9.2) + (8.5.3 through 8.9.3) Sum of ( through ) Sum of Sum of ( ) + (8.5.2 through 8.9.2) + ( through ) Sum of ( ) + (8.5.3 through 8.9.3) and mapped to D_DISCLOSURE_SECTION_SUMMARIES/INTEGRATED_DI SCLOSURE_SECTION_SUMMARY/INTEGRATED_DISCLOS URE_SECTION_SUMMARY_DETAIL mapped to mapped to D_DISCLOSURE_SECTION_SUMMARIES/INTEGRATED_DI SCLOSURE_SECTION_SUMMARY/INTEGRATED_DISCLOS URE_SUBSECTION_PAYMENTS/INTEGRATED_DISCLOSU RE_SUBSECTION_PAYMENT mapped to Sum of ( ) + ( ) + (8.5.4 through 8.9.4) + ( through ) Sum of ( ) + ( ) + (8.5.5 through 8.9.5) Sum of ( ) + ( ) + (8.5.6 through 8.9.6) + ( through ) and mapped to D_DISCLOSURE_SECTION_SUMMARIES/INTEGRATED_DI SCLOSURE_SECTION_SUMMARY/INTEGRATED_DISCLOS URE_SECTION_SUMMARY_DETAIL mapped to...document_specific_data_sets/document_sp ECIFIC_DATA_SET/INTEGRATED_DISCLOSURE/CASH_TO _C mapped to Purchase/Fixed Rate pg. 11

12 Form Reference Number Cross Reference Cross Reference Calculation Identical Form Values with Multiple Mappings D_DISCLOSURE_SECTION_SUMMARIES/INTEGRATED_DI SCLOSURE_SECTION_SUMMARY/INTEGRATED_DISCLOS URE_SUBSECTION_PAYMENTS/INTEGRATED_DISCLOSU RE_SUBSECTION_PAYMENT mapped to mapped to mapped to...loans/loan/closing_information/closing_co ST_FUNDS/CLOSING_COST_FUND mapped to AND mapped to...loans/loan/closing_information/closing_adj USTMENT_ITEMS/CLOSING_ADJUSTMENT_ITEM/CLOSI NG_ADJUSTMENT_ITEM_DETAIL (Sum of through ) less (sum of through ) and mapped to...loans/loan/closing_information/closing_inf ORMATION_DETAIL mapped to Sum of through Sum of through mapped to mapped to...loans/loan/closing_information/closing_co ST_FUNDS/CLOSING_COST_FUND mapped to AND mapped to...loans/loan/closing_information/closing_adj USTMENT_ITEMS/CLOSING_ADJUSTMENT_ITEM/CLOSI NG_ADJUSTMENT_ITEM_DETAIL less which is equal to less Sum of through and mapped to...loans/loan/closing_information/closing_inf ORMATION_DETAIL mapped to Purchase/Fixed Rate pg. 12

13 Form Reference Number Cross Reference Cross Reference Calculation Identical Form Values with Multiple Mappings Sum of through mapped to AND mapped to...loans/loan/closing_information/closing_adj USTMENT_ITEMS/CLOSING_ADJUSTMENT_ITEM/CLOSI NG_ADJUSTMENT_ITEM_DETAIL less which is equal to less ($/mo.) x 12 (mos.) for escrowed items mapped to IFIC_DATA_SET/INTEGRATED_DISCLOSURE/ESTIMATED _PROPERTY_COST/ESTIMATED_PROPERTY_COST_COM PONENTS/ESTIMATED_PROPERTY_COST_COMPONENT mapped to D_DISCLOSURE_DETAIL ($/mo.) x 12 (mos.) for nonescrowed items Or less (-) mapped to IFIC_DATA_SET/INTEGRATED_DISCLOSURE/ESTIMATED _PROPERTY_COST/ESTIMATED_PROPERTY_COST_COM PONENTS/ESTIMATED_PROPERTY_COST_COMPONENT mapped to D_DISCLOSURE_DETAIL ($/mo.) x 12 (mos.) or Purchase/Fixed Rate pg. 13