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REG Z FINANCE CHARGES & GAFLA POINTS & FEES
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SETTLEMENT STATEMENT
SECTION/ITEM
INCLUDED IN FINANCE CHARGE FOR
APR CALCULATION
INCLUDED IN GFLA
POINTS & FEES
CALCULATIONS
Section 700
No
No
Section 800
Line 801-Loan Origination Fee
Yes
Yes
Line 802-Loan Discount
Yes
Yes (except 2 bona fide
discount points)
Loan 803-Appraisal Fee
No
No (1)
Line 804-Credit Report
No
No (1)
Line 805-Lenders Inspection Fee
Yes - if this fee is for inspections that will be
conducted subsequent to closing (e.g., a
construction/permanent loan)
No (1)
Line 806-Mortgage Insurance Application
Fee
No
No
Line 807-Assumption Fee
Yes
Yes
Line 8xx-Flood Determination Fee
Yes - only the initial determination fee needs to
be included; however, you may include the entire
fee without violating Reg Z.
No (1)
Line 8xx-Tax Service Fee
Yes
No (1)
Line 8xx-Underwriting Fee
Yes
Yes
Line 8xx-Courier Fee
Yes - if required by lender
Yes if required by lender
Line 8xx-Mortgage Broker Fee(s)
Yes
Yes (3)
Section 900
Line 901-Interest
Yes
No
Line 902-Mortgage Insurance Premium
Yes
Yes
Line 903-Hazard Insurance Premium
No
No
Line 9xx-FHA Up-Front Premium
Yes
Yes
Line 9xx-VA Funding Fee
Yes
Yes
Section 1000
Line 1001-Hazard Insurance
No
No
Line 1002-Mortgage Insurance
Yes
Yes
Line 1003-City Property Taxes
No
No
Line 1004-County Property Taxes
No
No
Line 1005-Annual Assessments
No
No
Section 1100
Line 1101-Settlement/Closing Fee
Yes
No (2)
Line 1102-Abstract of Title Research
No
No (1), (2)
Line 1103-Title Examination
No
No (1), (2)
Line 1104-Title Insurance Binder
No
No (1), (2)
Line 1105-Document Preparation
No
No (1), (2)
Line 1106-Notary Fees
No
No (1), (2)
Line 1107-Attorneys Fees
No
No (2)
Line 1108-Title Insurance
No
No (1), (2)
Line 1109-Lenders Coverage
No
No (1), (2)
Line 1110-Owners Coverage
No
No (1), (2)
Section 1200
Line 1201-Recording Fees
No
No
Line 1202-City/County Tax Stamps
No
No
Line 1203-State Tax/Stamps
No
No
Section 1300
Line 1301-Survey
No
No (1)
Line 1302-Pest Inspection
No
No (1)
(1)

This fee is not included in the GAFLA points and fees calculation unless the lender or an affiliate receives compensation for the
service.
(2)

This fee is not included in the GAFLA points and fees calculation if the customer is permitted to select an attorney from the
lenders approved list of three or more attorneys.
(1) & (2) If an affiliated attorney received fees for these services, the fees would be points and fees under the GAFLA regardless of
whether the customer is permitted to select an attorney from the lenders approved list.
(3) A service release premium in a secondary market transaction is not including in the GAFLA points and fees calculation.