lender 給的closing cost清單

買的是bi-level condo。
downpay 20%, 貸本金232，000.00。30 fix，說是4.75%，同
時因為condo的話downpayment 不到25%，就要多加0.25%（據他說這是政府規定的），

給我列的fee包括：
1）tax related service $90
2)application fee(appraisal fee included)595
3)attorney fees 850
4)title insurance 1281
5)Recording fee 350
6)survey fee 500
7)flood certification 26
8)commitment fee 395

total 4081

Prepaid:
1) Interest (15 days) 476.71
2)city taxes (4 months) 2182.33

他還注明說這是預計在5月27號close的interest,如果是6/15號close,那pay for 15th-
30th interest only) You mortgage pay start 8/1.
----------他是把7/1錯寫成8/1吧。這應該怎麽理解？

對city taxes,他說是escrow payment, don\'t lose this money,get back when
sell or refinance the condo.required by most lenders in US.
------------------這city taxes指的是property tax?


跟上living裏大家介紹的cost比高多了啊。他是按我的信用分高於740算得。

謝謝.