Need your help!!! on the rates quoted by the builder's lender to which i'm getting 3% creditProcessing fee - 595UnderWriting fee - 395funding fee - 150attorney fee- 150appraisal fee - 400credit report fee - 65tax service fee - 80flood certificaiton - 25lender inspection - 75closing escrow fee - 2758.1 endorsement 100courier fee - 75email loan doc - 25administration fee - 100state gurantee fee -10tax certificate - 45eRecording fee - 6.0Owners Title Insurance - 2,561Survey - 460Mortgage Recording Charge - 112Deed Recording Charge - 45Hazard Insurance Reserves 118.75 x 3 months = 356.25county property tax reserves 660x 3months = 1980Daily Interest Charge 28.697 x 15 days = 430.47Hazard Insurance Premium = 118.75 x 12 months = 1425.00HOA start up fee = 300PURCHASE PRICE 290,000 property tax around 2.64%Estimated Prepaid items/reserve- 4162.03Estimated Closing Cost- 6049I am trying to figure out what to negotiate out in fees? it seems its too much. need your input!! thanks in advance.October 05 2012 - Garland00YesReport a ProblemProblemSelect oneOffensive contentIrrelevant contentSpam (pure self-promotion)OtherDetailsYour emailPlease enter a valid email address.Submit CancelContent flaggedWe will review this content. Thanks for helping make the site more useful to everyone. To learn more, read Zillow's Good Neighbor Policy.We're sorry. This service is temporarily unavailable. Please come back later and try again.