BuyerClosingCost

                                            BUYER can generally be expected to pay
                                                 Buyer's Estimated Closing Cost
                                            ---------------------------------------------------------
Purchased Amount = $500,000.00                 Down Payment = $200,000
Total Loan Amount = $300,000.00                 Interest Rate:   5%              Term:        360 months
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800        ITEMS PAYABLE IN CONNECTION WITH NEW LOAN:
801        Loan Origination Fee (aka. POINT, charged by PURITY = 1% of Loan Amount)     $3,000
802        Loan Discount                                                                                                                        -
803        Appraisal Fee (3rd party)                                                                                                      300.00
804        Credit Report (PURITY)                                                                                                         15.00
805        Lender's Inspection Fee (Lender)                                                                                     -
808        Mortgage Broker Fee (Lender)                                                                                          -
809        Tax Related Service Fee (Lender)                                                                                     70.00
810        Processing Fee (PURITY)                                                                                                    495.00
811        Underwriting Fee (Lender)                                                                                                  300.00
812        Wire Transfer Fee (Lender)                                                                                                50.00
813        Document Preparation Fee (Lender)                                                                               300.00
814        Funding Fee (Lender)]                                                                                                          -
815        Flood Certificate (3rd party)                                                                                               14.00

1100        ESCROW , TITLE CHARGES:
1101        Closing or Escrow Fee: see below, Difference between Refi/Purchase.            $
1105        Document Preparation Fee                                                                                              -
1106        Notary Fees                                                                                                                          $60.00
1107        Attorney Fees                                                                                                                       -
1108        Title Insurance: see below, Difference between Refi/Purchase.                          $
1109        ALTA Concurrent loan policy:   see below, Difference between Refi/Purchase.$
1110        Courier/Fedex                                                                                                                     $60.00
1111        Wire Transfer Fee                                                                                                             $50.00

1200        GOVERNMENT RECORDING & TRANSFER CHARGES:
1201        Recording Fees: (varies from county to county)                                                        $60.00
1202        City Transfer Tax : see below, Difference between Refi/Purchase..                    $
1203        County Transfer Tax : see below, Difference between Refi/Purchase..              $-

1300        ADDITIONAL SETTLEMENT CHARGES:
1302        Pest Inspection, Home inspection, HOA transfer and fees, etc.                            -

TOTAL ESTIMATED CLOSING COST (COST+POINT)=add up all above items.
          (NonRecurring Cost)                                                                                                              $
          MINUS COSTS PAID BY BROKER (credit to customers)=        ACTUAL NRCC          $
900        ITEMS REQUIRED BY LENDER TO BE PAID IN ADVANCE:
901        Interest        30        days @        see below.         $                 per day                          $
902        Mortgage Insurance Premium                                                                                           -
903        Hazard Insurance Premium . See below.        months @ $        per month             $
904        Tax and Assessment. See below.        months @ $        per month                         $

1000        RESERVES DEPOSITED WITH LENDER:

TOTAL ESTIMATED FUNDS NEEDED TO CLOSE:            TOTAL ESTIMATED MONTHLY PAYMENT:
                                                                                                Principal & Interest                 $1,610.46
     Loan Amount                         300,000.00                    Other Financing (P & I)
*      Est. Closing Costs                $                                       Hazard Insurance
     Est. Prepaid Items/Reserv $                                       Real Estate Taxes
                                                                                                Mortgage Insurance
*      PAID BY BROKER(credit to cust)         (300.00)       Homeowner Assn. Dues

Total Est. Funds needed to close                 $                 Total Monthly Payment                 $1,610.46

Note :
1101        Closing or Escrow Fee: * if this is a sale transaction, refer to Residential Sale
               Escrow Rate, based on Sale Price
                  - Santa Clara county : Seller pays     - Alameda county : Buyer pays
                  * if this is a refinance, refer to Residential Loan Escrow Rate, based on Loan
                     Amount. Borrower pays.
1108        Title Insurance: * if this is a sale transaction, refer to Homeowner's Policy Rate,
               based on Sale Price
                   - Santa Clara county : Seller pays     - Alameda county : Buyer pays
                     and may include 1109 ALTA Concurrent loan policy:   refer to ALTA Concurrent
                     Loan Policy Rate.
                     Buyer always pays. Seller does not pay.
1109            * if this is a refinance, 1108 is 1109 , refer to ALTA Loan Policy Rate, based on
                     Loan Amount. Borrower pays.
1202        City Transfer Tax : Apply for sale transaction only, not for refinance. 50/50 . City
              Specific - SanJose $3.30 per $1000
      'Alameda $5.40 per $1000, ' Hayward $4.50 per $1000, ' Berkley/Oakland $15 per
       $1000,' Palo Alto $3.30 per $1000   *Sacto $2.75 per $1000, ' San Mateo $5.0 per $1000,
      ' county Santa Cruz, Monterey No such fee,   *County San Francisco [$100,000 -
       $250,000] $5 per $1000 [$250,001 - $1M] $6.8 per $1000 [above $1M ] $7.50 per
       $1000
1203        County Transfer Tax : Apply for sale transaction only, not for refinance. Pays $1.10
              per $1000
                                - Santa Clara county : Seller pays     - Alameda county : Buyer pays
901        Interest = Loan Amount x Rate (5%) for 1 year ; for 1 month divide this result by 360
903        Hazard Insurance Premium: Loan Amount x 0.0035 for 1 year . For 1 month , (Loan
            Amount x 0.0035)/12
904        Tax and Assessment : Sale price (or appraised value) x 0.0125 for 1 year. For 1
            month , use this result then divide by 12

Above is just an estimated closing cost for buyer.

Best Regards,

Caroline Tran & The PURITY Group
DRE# 01334109
Vice President, CFO – The PURITY Real Estate Investment and Finance, Inc.
(408) 595 – 6416, (408) 904 - 7030
CarolineTran@thePURITYgroup.com