{"id":75,"date":"2026-08-15T09:57:57","date_gmt":"2026-08-15T13:57:57","guid":{"rendered":"https:\/\/balancekim.com\/mortgage\/?page_id=75"},"modified":"2026-09-16T11:23:31","modified_gmt":"2026-09-16T15:23:31","slug":"fees","status":"publish","type":"page","link":"https:\/\/balancekim.com\/mortgage\/ko\/fees\/","title":{"rendered":"\ubaa8\uae30\uc9c0 \uc218\uc218\ub8cc"},"content":{"rendered":"

\ud074\ub85c\uc9d5 \ucf54\uc2a4\ud2b8\ub294 \ud06c\uac8c 3 \uc885\ub958\uc785\ub2c8\ub2e4<\/strong><\/h2>\n\n\n\n

\ubaa8\uae30\uc9c0 \uc218\uc218\ub8cc <\/h3>\n\n\n\n

These are the only actual fees for your mortgage. In the list below, this includes exactly these items: 1. Application fee, 2. Loan Origination fee, <\/p>\n\n\n\n

<\/p>\n\n\n\n

3. Credit Report fee, 4. Appraisal fee, 5. Flood Certificate fee, and 6. Tax Service Fee. Depending on the lender, they may also add fees like 7. Underwriting fee, 8. Processing fee, etc. When you look at the document below, all costs under \u201cLoan Costs\u201d up until the \u201cTitle\u201d section are the expenses going to the lender. Among these, items 3 through 6 are mandatory and pretty much the same for everyone, and item 2 is the money paid voluntarily to lower your interest rate (points). Therefore, in the specific list below, item 1 is the only money that actually went to the lender. Some lenders might charge extra under names like items 7 and 8.<\/p>\n\n\n\n

\uac04\ub2e8\ud788 \ub9d0\ud574 \uc544\ub798 \uadf8\ub9bc Closing Disclosure \uc911 Section A\uc5d0 \ub4e4\uc5b4 \uc788\ub294 \ud56d\ubaa9\ub9cc\uc774 \ub80c\ub354\uc5d0\uac8c \uc9c0\ubd88\ud55c \uc21c\uc218 \uc218\uc218\ub8cc\uc785\ub2c8\ub2e4.<\/p>\n\n\n\n

<\/div>\n\n\n\n

\uac01\uc885 \uc138\uae08 \uacf5\uacfc\uae08 <\/strong><\/h3>\n\n\n\n

\uc774\uac74 \uc9d1\uc5d0 \uad00\ud55c \ubaa8\ub4e0 \ubc95\uc801\uc778 \ube44\uc6a9\uacfc \uc138\uae08\uc785\ub2c8\ub2e4. \ubaa8\ub450\uc5d0\uac8c \ud544\uc218\uc774\uace0 \uac70\uc758 \ube44\uc2b7\ud569\ub2c8\ub2e4.<\/p>\n\n\n\n

\ub0a0\uc9dc \uc870\uc808 \ube44\uc6a9 <\/strong><\/h3>\n\n\n\n

\ubaa8\uae30\uc9c0\ub294 \ubb34\uc870\uac74 \ub2ec\uc758 1\uc77c\uc744 \uae30\uc810\uc73c\ub85c \ud569\ub2c8\ub2e4. \ub530\ub77c\uc11c \uba87\uc77c\uc5d0 \ud074\ub85c\uc9d5\uc744 \ud558\ub290\ub0d0\uc5d0 \ub530\ub77c \ub0b4\uc57c \ud558\ub294 \ub3c8\uc774 \ucc28\uc774\uac00 \uc0dd\uae41\ub2c8\ub2e4. \ub0a0\uc9dc\ub97c \uc870\uc808\ud574\uc11c \ubbf8\ub9ac \ub3c8\uc744 \ub0b4\ub294 \uac83\uc774\uc8e0. \ubcf4\ud1b5 2\uc77c \ud074\ub85c\uc9d5\ud558\uba74 \uac70\uc758 \ud55c \ub2ec\uce58\ub97c \ubbf8\ub9ac \ub0b4\uace0 28\uc77c\uc5d0 \ud074\ub85c\uc9d5\ud558\uba74 \ubbf8\ub9ac \ub0b4\ub294 \ub3c8\uc774 \ubcc4\ub85c \uc5c6\uc8e0. \uadf8\ub9ac\uace0 \uadf8 \ub2ec\uc774 \uc9c0\ub098\uace0 \uadf8 \ub2e4\uc74c \ub2ec\ubd80\ud130 \ubaa8\uae30\uc9c0 \ud398\uc774\ub97c \ud558\uac8c \ub429\ub2c8\ub2e4. \ubaa8\uae30\uc9c0 \ud398\uc774\ub294 \uae30\ubcf8\uc801\uc73c\ub85c \ud6c4\ubd88\uc81c\uc785\ub2c8\ub2e4.<\/p>\n\n\n\n

<\/p>\n\n\n\n

Newspaper Article <\/h2>\n\n\n\n

(Jump to the next section after the images if you don’t understand Korean.)<\/p>\n\n\n\n

\uc6b0\uc5f0\ud788 \uc2e0\ubb38\uc744 \uc77d\uac8c \ub418\uc5c8\uc2b5\ub2c8\ub2e4. \ud0c0\uc774\ud2c0\uc740 \ubaa8\uae30\uc9c0 \uc815\ud06c \uc218\uc218\ub8cc\uc5d0 \ub300\ud55c \ub17c\uc7c1. \uc774 \uc2e0\ubb38\uc774 \ub3c4\ub300\uccb4 \ubb34\uc2a8 \uc0dd\uac01\uc73c\ub85c \uc5bc\ub9c8\ub098 \ucde8\uc7ac\ub97c \ub9ce\uc774 \ud558\uace0 \uc774\ub7f0 \uae30\uc0ac\ub97c \uc37c\uc744\uae4c\u2026 \uc774 \uc2e0\ubb38\uc758 \ub0b4\uc6a9\uc744 \ubcf4\uba74 \ub9c8\uce58 \ub0b4\uc9c0 \uc54a\uc544\uc57c \ud560 \uc218\uc218\ub8cc\ub97c \uc5c4\uccad \ub0b4\ub294 \uac83 \uac19\uc740 \ub290\ub08c\uc774 \ub4ed\ub2c8\ub2e4. \uc544\ub9c8 \uc774 \uae30\uc790\uac00 \uc9d1\uc744 \uc0ac\ub294 \ud504\ub85c\uc138\uc2a4\ub97c \ud55c \ubc88\ub3c4 \uc9c4\ud589\ud574 \ubcf4\uc9c0 \uc54a\uc740 \uc0ac\ub78c\uc778 \uac83 \uac19\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n

\uc774 \uc544\ub798\ub294 \uc2e0\ubb38 \ub0b4\uc6a9\uc785\ub2c8\ub2e4. \uadf8\ub9ac\uace0 \uadf8 \uc544\ub798\uc5d0 \ubaa8\uae30\uc9c0 \uc218\uc218\ub8cc\uac00 \ub3c4\ub300\uccb4 \uc5bc\ub9c8\ub098 \ubd99\ub294\uc9c0 \uc774\ud574\ub97c \ub3d5\uae30 \uc704\ud574 \uc81c\uac00 \ucc98\ub9ac\ud588\ub358 \ud55c \uac74\uc758 Closing Disclosure \uc989 \uc218\uc218\ub8cc \ucd1d\uc815\ub9ac\ub97c \uc62c\ub9bd\ub2c8\ub2e4. \ubcf4\ud1b5 \ud074\ub85c\uc9d5\uc774\ub780 \uacc4\uc57d\uc744 \ub9c8\uce58\uace0 \ub9c8\uc9c0\ub9c9 \uc21c\uac04 \uc0ac\uc778\ud558\uace0 \uc9d1 \ud0a4\ub97c \ub118\uaca8 \ubc1b\ub294 \uac83\uc744 \uc77c\uceeb\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n

<\/div>\n\n\n\n
\"Mortgageformyhome<\/figure>\n\n\n\n
\"Mortgageformyhome<\/figure>\n\n\n\n
<\/div>\n\n\n\n

Closing Disclosure<\/h2>\n\n\n\n

\uc544\ub798 \uc774\ubbf8\uc9c0\ub294 Closing disclosure\uc785\ub2c8\ub2e4. \ub9c8\uc9c0\ub9c9 \uc21c\uac04\uc5d0 \ubb34\uc2a8 \ub3c8\uc774 \uc5b4\ub514\uc5d0 \uc5bc\ub9c8\ub098 \ub4e4\uc5b4\uac14\ub294\uc9c0\ub97c \ubcf4\uc5ec\uc8fc\ub294 \uc124\uba85\uc11c\uc8e0. \uc5ec\uae30\uc5d0 \ud575\uc2ec \ub450 \ud398\uc774\uc9c0\uac00 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n

First Page<\/h3>\n\n\n\n
\"Mortgageformyhome<\/figure>\n\n\n\n

\uccab \ud398\uc774\uc9c0\uc758 \ub0b4\uc6a9\uc740 \ub204\uac00 \ub204\uad6c\ub85c\ubd80\ud130 \uc5bc\ub9c8\uc9dc\ub9ac \uc9d1\uc744 \uc5b4\ub5a4 \uc774\uc790\uc728\ub85c \uba87 \ub144\uc5d0 \uac78\uccd0 \uc0ac\uba70 \ub9e4\ub2ec \uc0c1\ud658\ud560 \ub3c8\uc744 \uc5bc\ub9c8\uc778\uac00 \ub4f1\uc744 \ubcf4\uc5ec \uc90d\ub2c8\ub2e4.<\/p>\n\n\n\n

\uc11c\ub958\uc5d0 \ub530\ub974\uba74 \ubc14\uc774\uc5b4\ub294 345,000\ubd88 \uc9d1\uc744 105,000\ubd88 \ub2e4\uc6b4\ud398\uc774\ud558\uace0 24\ub9cc\ubd88 \ubaa8\uae30\uc9c0 \ub860\uc744 \ubc1b\uc558\uc73c\uba70 30\ub144\uace0\uc815 \uc774\uc790 8.25%\ub85c \uc0c0\ub2e4. (\uc774 \ub54c\uac00 \uac00\uc7a5 \uc774\uc790\uc728\uc774 \ub192\ub358 \ub54c\uc785\ub2c8\ub2e4.) \ub9e4\ub2ec \uc6d0\uae08 \uc774\uc790\ub294 1,803.04\ubd88\uc774\uba70, \uc5ec\uae30\uc5d0 \uc138\uae08\uacfc \uc9d1\ubcf4\ud5d8\uae08 551.61\ubd88\uc744 \ud569\ud574 \ub9e4\ub2ec 2,345,65\ubd88\uc744 \ub0b4\uac8c \ub429\ub2c8\ub2e4. . (\uadf8 \uc544\ub798 970.61\uc740 \uc5ec\uae30\uac00 \uc544\ud30c\ud2b8\ub77c\uc11c \uad00\ub9ac\ube44\ub97c \ub0b8\ub2e4\ub294 \ub73b\uc785\ub2c8\ub2e4. \uc989 970.61-551.61=419 \uc774 \uad00\ub9ac\ube44\uc785\ub2c8\ub2e4.)<\/em><\/p>\n\n\n\n

\uadf8\ub9ac\uace0 \uc81c\uc77c \uc544\ub798\uc5d0 \uc788\ub294 Closing Costs $13,130.83\uc740 \ucd1d \uc218\uc218\ub8cc\uc774\uba70(8090\ubd88\uc774 \ub860\uc5d0 \uad00\ub828\ub41c \ub3c8\uc774\uace0 \ub098\uba38\uc9c0\ub294 \uae30\ud0c0 \ube44\uc6a9), Cash to close $82,803.83 \uc740 \ud074\ub85c\uc9d5 \ud604\uc7a5\uc5d0 \uac00\uc838\uc640\uc57c \ud558\ub294 \ucd1d \uc561\uc218\ub97c \ub73b\ud569\ub2c8\ub2e4.<\/p>\n\n\n\n

<\/div>\n\n\n\n

Second Page<\/h3>\n\n\n\n
\"Mortgageformyhome<\/figure>\n\n\n\n

\ub450\ubc88\uc9f8 \ud398\uc774\uc9c0\uc5d0\ub294 \uc704 \uae08\uc561\uc774 \uc5b4\ub5bb\uac8c \uacc4\uc0b0\ub418\uc5c8\ub294\uac00\ub97c \uc885\ubaa9\ubcc4\ub85c \ubcf4\uc5ec\uc90d\ub2c8\ub2e4. \uc218\uc218\ub8cc\ub97c \uc54c\uace0 \uc2f6\uc73c\uba74 \uc774 \ud398\uc774\uc9c0\ub9cc \ubcf4\uba74 \ub429\ub2c8\ub2e4.<\/p>\n\n\n\n

Loan Costs <\/strong>\ub780 \ub9d0 \uadf8\ub300\ub85c \ub860\uc5d0\ub9cc \uad00\ub828\uc788\ub294 \uc218\uc218\ub8cc\ub97c \uc758\ubbf8\ud569\ub2c8\ub2e4.<\/p>\n\n\n\n

    \n
  • Application Fee:<\/strong> \ub294 \ub9d0 \uadf8\ub300\ub85c \ub860\uc744 \uc2e0\uccad\ud560 \ub54c \ub0b4\ub294 \uc218\uc218\ub8cc\uc785\ub2c8\ub2e4.<\/li>\n\n\n\n
  • Loan Origination Fee:<\/strong> \uc774\uac83\uc774 \ubc14\ub85c \ud3ec\uc778\ud2b8\ub97c \ub9d0\ud569\ub2c8\ub2e4. \uc5ec\uae30\uc11c\ub294 1\ud3ec\uc778\ud2b8\uc785\ub2c8\ub2e4. (\uc989 \uc6d0\ud558\uc9c0 \uc54a\ub294\ub2e4\uba74 \uc774 1\ud3ec\uc778\ud2b8\ub294 \ub0b4\uc9c0 \uc54a\uc544\ub3c4 \ub418\uace0 \ub300\uc2e0\uc774\uc790\uc728\uc774 0.25% \uc815\ub3c4 \ub192\uc544\uc9d1\ub2c8\ub2e4. \uadf8\ub798\uc11c \uc774 \uae08\uc561\uc744 \ube7c\uba74 \uc2e4\uc81c\ub85c \ub860\uc5d0 \uad00\ub828\ub41c \uc218\uc218\ub8cc\ub294 Application fee $2,290 \uc785\ub2c8\ub2e4.)<\/li>\n<\/ul>\n\n\n\n

    \uadf8 \uc544\ub798 \uc138 \ud56d\ubaa9\uc774 \ubc14\ub85c \ub80c\ub354\uac00 \uc678\ubd80\uc5d0 \uc8fc\ubb38\ud574\uc11c \ud589\ud558\ub294 \uc77c\uc785\ub2c8\ub2e4.<\/p>\n\n\n\n

      \n
    • Appraisal:<\/strong> \uc774\ub294 Appraisal company\uc5d0\uac8c \uc8fc\ubb38\ud574\uc11c \uadf8 \ud68c\uc0ac\uc5d0\uc11c \uc9d1 \uac12\uc744 \uac10\uc815\ud569\ub2c8\ub2e4.<\/li>\n\n\n\n
    • Credit Report Fee:<\/strong> \ub294 \ubcf4\ud1b5 \uc6b0\ub9ac\uac00 \uc9c1\uc811 \ub0b4\uac70\ub098 \ud639\uc740 \ub098\uc911\uc5d0 \uccad\uad6c\ud569\ub2c8\ub2e4.<\/li>\n<\/ul>\n\n\n\n

      \uc5ec\uae30\uae4c\uc9c0\uac00 \ub80c\ub354\uac00 \uc9c1\uc811 \ud639\uc740 \uc678\ubd80 \uc8fc\ubb38\uc744 \ud1b5\ud574 \ud558\ub294 \uc77c\uc785\ub2c8\ub2e4.<\/p>\n\n\n\n

      \uadf8\ub9ac\uace0 \uadf8 \uc544\ub798\uc5d0 \uc788\ub294 Title \ub85c \ub41c \ub2e8\uc5b4\ub4e4\uc740 \ubaa8\ub450 \uc9d1\uc758 \ubc95\uc801\uc778 \ubb38\uc81c\uc5d0 \ub300\ud55c \uac83\uc785\ub2c8\ub2e4. \uc774\uac74 \ubaa8\ub4e0 \uc9d1 \uacc4\uc57d\uc5d0 \ud56d\uc0c1 \ud544\uc218\ub85c \ub530\ub77c\uac11\ub2c8\ub2e4. \ubcf4\ud1b5 \ubcc0\ud638\uc0ac\uac00 \ucd94\ucc9c\ud558\ub294 Title company\ub77c\ub294 \uacf3\uc5d0\uc11c \uc804\ub2f4\ud558\uace0 \uc774 \ud68c\uc0ac\uac00 \ub9c8\uc9c0\ub9c9 \ud074\ub85c\uc9d5\uc5d0\uc11c \ubaa8\ub4e0 \uc124\uba85\uacfc \uc11c\ub958\ub97c \uad00\ub9ac\ud569\ub2c8\ub2e4.<\/p>\n\n\n\n

      \uadf8 \uc544\ub798 other costs\uac00 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n

        \n
      • Section E (Taxes):<\/strong> \uc11c\ub958 \ub4f1\ub85d\ube44\uc640 \uc774\uc804\ube44<\/li>\n\n\n\n
      • Section F (Prepaids):<\/strong> \ub9e4\ub2ec 1\uc77c\ub85c \ubaa8\uae30\uc9c0\uac00 \uacc4\uc0b0\ub418\ubbc0\ub85c \uadf8\ub54c\uae4c\uc9c0\uc758 \ucc28\uc561 \uacc4\uc0b0<\/li>\n\n\n\n
      • Section G (Escrow):<\/strong> \ubbf8\ub9ac \uac77\uc5b4 \ub193\ub294 \uc9d1 \ubcf4\ud5d8\uae08\uacfc \ud0dd\uc2a4<\/li>\n\n\n\n
      • Section H (Other):<\/strong> \ubcc0\ud638\uc0ac\ube44\uc6a9\uacfc \uae30\ud0c0<\/li>\n<\/ul>\n\n\n\n
        \n\n\n\n

        \uacb0\ub860\uc801\uc73c\ub85c<\/h2>\n\n\n\n

        \uc704\uc5d0\uc11c \ubcf4\uc774\ub294 \uac83\ucc98\ub7fc \ubaa8\uae30\uc9c0 \uc5c5\uccb4\ub4e4\uc774 \ubb54\uac00 \ubc14\uac00\uc9c0\ub97c \uc50c\uc6b0\uac70\ub098 \uc815\ud06c \uc218\uc218\ub8cc\ub97c \ubb3c\ub9ac\uc9c0 \uc54a\uc2b5\ub2c8\ub2e4. \uc544\ub2c8 \uadf8\ub807\uac8c \ud560 \uc218 \uc5c6\uc2b5\ub2c8\ub2e4. \ubaa8\ub4e0 \ud56d\ubaa9\uc740 \uc644\ubcbd\ud558\uac8c \ub178\ucd9c\ub418\uace0 \ud074\ub85c\uc9d5 \ub54c \ud558\ub098\uc529 \ubaa8\ub450 \uc124\uba85\uc744 \ud558\uae30 \ub54c\ubb38\uc5d0 \ubc14\uac00\uc9c0\ub97c \uc50c\uc6b0\uac70\ub098 \ud558\uba74 \uae08\ubc29 \ub2e4 \ubcf4\uc774\uac8c \ub429\ub2c8\ub2e4.<\/p>\n\n\n\n

        \uc2e4\uc81c\ub85c \uacfc\uac70\uc5d0\ub294 \uadf8\ub7f0 \uc77c\uc774 \uc885\uc885 \uc788\uc5c8\uace0 \uadf8 \ub54c\ubb38\uc5d0 \uacb0\uad6d 2008\ub144 \uc0ac\uace0\uac00 \ud130\uc84c\uc2b5\ub2c8\ub2e4. \uadf8\ub798\uc11c \uadf8 \uc774\ud6c4\ub85c \ub77c\uc774\uc13c\uc2a4 \uc81c\ub3c4\ub97c \ub3c4\uc785\ud558\uace0 \ucca0\uc800\ud558\uac8c \ud1b5\uc81c\ud558\uae30 \ub54c\ubb38\uc5d0 \ubb54\uac00 \uc218\uc218\ub8cc \ud3ed\ud0c4\uc744 \ub9de\ub294\ub2e4\ub294 \uc0dd\uac01\uc740 \ud558\uc9c0 \uc54a\uc544\ub3c4 \ub429\ub2c8\ub2e4.<\/p>\n\n\n\n

        <\/p>","protected":false},"excerpt":{"rendered":"

        Closing costs are broken down into three categories: 1. Mortgage Fees These are the only actual fees for your mortgage. In the list below, this includes exactly these items: 1. Application fee, 2. Loan Origination fee, 3. Credit Report fee, 4. Appraisal fee, 5. Flood Certificate fee, and 6. Tax Service Fee. Depending on the… <\/p>","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"neve_meta_sidebar":"","neve_meta_container":"","neve_meta_enable_content_width":"","neve_meta_content_width":0,"neve_meta_title_alignment":"","neve_meta_author_avatar":"","neve_post_elements_order":"","neve_meta_disable_header":"","neve_meta_disable_footer":"","neve_meta_disable_title":"","footnotes":""},"class_list":["post-75","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/balancekim.com\/mortgage\/ko\/wp-json\/wp\/v2\/pages\/75","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/balancekim.com\/mortgage\/ko\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/balancekim.com\/mortgage\/ko\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/balancekim.com\/mortgage\/ko\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/balancekim.com\/mortgage\/ko\/wp-json\/wp\/v2\/comments?post=75"}],"version-history":[{"count":8,"href":"https:\/\/balancekim.com\/mortgage\/ko\/wp-json\/wp\/v2\/pages\/75\/revisions"}],"predecessor-version":[{"id":237,"href":"https:\/\/balancekim.com\/mortgage\/ko\/wp-json\/wp\/v2\/pages\/75\/revisions\/237"}],"wp:attachment":[{"href":"https:\/\/balancekim.com\/mortgage\/ko\/wp-json\/wp\/v2\/media?parent=75"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}