Final CD Real Estate

FINAL CLOSING DISCLOSURE (CD) — REAL ESTATE

Final Closing Date:   Closing Location:

Parties

Settlement, Title, and Lending

Property Identification

Transaction and Financing Terms

Itemized Closing Costs and Cash to Close

Buyer Closing Costs — Origination Fee: $   Appraisal: $   Credit Report: $

Buyer — Title & Escrow: $   Recording Fees: $   Prepaid Insurance: $

Seller Closing Costs — Title Policy / Title Charges: $   Transfer Tax: $   Broker/Commission: $

Prorations and Adjustments — Property Taxes: $   Prorated? Yes No

HOA/Condo Fees Adjustment: $   Prorated? Yes No

Inspections, Disclosures, and Property Condition

Inspection Period (days):   Homeowners Association:

Lead-Based Paint Known? Yes No   Mold or Water Intrusion Known? Yes No

Title, Exceptions, and Insurance

Title Exceptions (if any):

Owner's Title Insurance Required? Yes No   Lender's Title Insurance Required? Yes No

Default, Remedies, and Closing Mechanics

If either party fails to perform its obligations required for closing, the non-breaching party may seek all remedies available at law or in equity, including specific performance, damages, and reimbursement of reasonable attorneys' fees and costs. In the event of Buyer's failure to close (absent Seller default), Seller may retain earnest money as liquidated damages or elect to pursue other remedies; earnest money shall be disbursed by the settlement agent only upon written joint instruction of the parties or final order of a competent tribunal.

Funds delivered by wire or check must clear the settlement agent prior to disbursement. Seller authorizes settlement agent to pay outstanding liens, taxes, escrow charges, and agreed closing costs from closing proceeds. Seller further authorizes payment of commission and other closing disbursements as itemized herein.

Representations, Survival, Governing Law, and Entire Agreement

Each party represents and warrants that the information provided in this Final Closing Disclosure is true and accurate to the best of its knowledge, that it has authority to enter into the transaction, and that there are no undisclosed agreements affecting title or possession other than those identified herein. All representations and warranties made in this document survive closing and shall remain enforceable according to their terms.

This Closing Disclosure, together with any purchase agreement and other closing documents executed contemporaneously, constitutes the entire agreement between the parties with respect to the subject matter hereof and supersedes prior negotiations, representations, or agreements. This Closing Disclosure shall be governed by the laws of the state in which the property is located, without regard to conflict of laws principles.

Certification: By signing below, each signatory certifies under penalty of perjury that the information supplied on this Final Closing Disclosure is true, that he or she has read and understands the terms contained herein, and that the signatory is authorized to execute this Closing Disclosure on behalf of the named party.

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