{"id":381,"date":"2026-05-19T03:00:17","date_gmt":"2026-05-19T03:00:17","guid":{"rendered":"https:\/\/uribank.com\/wordpress1\/2026\/05\/19\/us-home-buying-closing-costs-korean\/"},"modified":"2026-05-19T03:00:17","modified_gmt":"2026-05-19T03:00:17","slug":"us-home-buying-closing-costs-korean","status":"publish","type":"post","link":"http:\/\/uribank.com\/wordpress1\/2026\/05\/19\/us-home-buying-closing-costs-korean\/","title":{"rendered":"\ubbf8\uad6d \uc8fc\ud0dd\uad6c\uc785 \ud074\ub85c\uc9d5 \ube44\uc6a9, \uc5bc\ub9c8\uac00 \ub4dc\ub098"},"content":{"rendered":"

\uc9d1\uac12\uacfc \uc774\uc790\uc728\ub9cc \ubcf4\uace0 \uc608\uc0b0\uc744 \uc9dc\uba74, \uacc4\uc57d \ub9c9\ubc14\uc9c0\uc5d0\uc11c \uc608\uc0c1\ubcf4\ub2e4 \ud070 \ud604\uae08\uc774 \ud544\uc694\ud574 \ub2f9\ud669\ud558\ub294 \uacbd\uc6b0\uac00 \ub9ce\uc2b5\ub2c8\ub2e4. \ubbf8\uad6d \uc8fc\ud0dd\uad6c\uc785 \ud074\ub85c\uc9d5 \ube44\uc6a9\uc740 \ub2e4\uc6b4\ud398\uc774\uba3c\ud2b8\uc640 \ubcc4\uac1c\ub85c \ub4e4\uc5b4\uac00\uba70, \uc9c0\uc5ed\uacfc \ub300\ucd9c \uad6c\uc870\uc5d0 \ub530\ub77c \ucc28\uc774\uac00 \ud07d\ub2c8\ub2e4. \ud2b9\ud788 \uccab \uc8fc\ud0dd\uad6c\uc785\uc790, \uc790\uc601\uc5c5\uc790, \uc678\uad6d\uc778 \uad6c\ub9e4\uc790\ucc98\ub7fc \ub300\ucd9c \uc870\uac74\uc774 \uc77c\ubc18 \uc740\ud589\uacfc \ub2e4\ub97c \uc218 \uc788\ub294 \uacbd\uc6b0\uc5d0\ub294 \ud074\ub85c\uc9d5 \uc9c1\uc804\uae4c\uc9c0 \ube44\uc6a9 \uad6c\uc131\uc744 \uc815\ud655\ud788 \ud655\uc778\ud558\ub294 \uac83\uc774 \uc548\uc804\ud569\ub2c8\ub2e4.<\/p>\n

\ud074\ub85c\uc9d5 \ube44\uc6a9\uc740 \ub9d0 \uadf8\ub300\ub85c \uac70\ub798\ub97c \ub9c8\ubb34\ub9ac\ud558\uae30 \uc704\ud574 \ub4dc\ub294 \uac01\uc885 \uc218\uc218\ub8cc\uc640 \uc120\ub0a9 \ube44\uc6a9\uc785\ub2c8\ub2e4. \ub2e8\uc21c\ud788 \uc740\ud589\uc5d0 \ub0b4\ub294 \uc218\uc218\ub8cc\ub9cc \ub73b\ud558\uc9c0 \uc54a\uc2b5\ub2c8\ub2e4. \ub300\ucd9c\uae30\uad00, \ud0c0\uc774\ud2c0 \ud68c\uc0ac, \uc5d0\uc2a4\ud06c\ub85c, \uc815\ubd80 \ub4f1\ub85d\ube44\uc6a9, \uc120\ub0a9 \uc7ac\uc0b0\uc138\uc640 \ubcf4\ud5d8\ub8cc\uae4c\uc9c0 \ud3ec\ud568\ub420 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uadf8\ub798\uc11c \uac19\uc740 \uc9d1\uc744 \uc0ac\ub354\ub77c\ub3c4 \ub204\uad6c\ub294 \ube44\uc6a9\uc774 \ub354 \uc801\uace0, \ub204\uad6c\ub294 \ub354 \ud06c\uac8c \ub290\uaef4\uc9c8 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n

\ubbf8\uad6d \uc8fc\ud0dd\uad6c\uc785 \ud074\ub85c\uc9d5 \ube44\uc6a9\uc758 \ud3c9\uade0 \ubc94\uc704<\/h2>\n

\uc77c\ubc18\uc801\uc73c\ub85c \ubbf8\uad6d \uc8fc\ud0dd\uad6c\uc785 \ud074\ub85c\uc9d5 \ube44\uc6a9\uc740 \uc8fc\ud0dd \uac00\uaca9\uc758 \uc57d 2\ud37c\uc13c\ud2b8\uc5d0\uc11c 5\ud37c\uc13c\ud2b8 \uc815\ub3c4\ub85c \ubcf4\ub294 \uacbd\uc6b0\uac00 \ub9ce\uc2b5\ub2c8\ub2e4. \uc608\ub97c \ub4e4\uc5b4 60\ub9cc \ub2ec\ub7ec \uc8fc\ud0dd\uc744 \uad6c\uc785\ud558\uba74 \ub300\ub7b5 1\ub9cc2\ucc9c \ub2ec\ub7ec\uc5d0\uc11c 3\ub9cc \ub2ec\ub7ec \uc218\uc900\uc744 \uc608\uc0c1\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \ubb3c\ub860 \uc774 \ubc94\uc704\ub294 \ub9e4\uc6b0 \uc77c\ubc18\uc801\uc778 \uac00\uc774\ub4dc\uc785\ub2c8\ub2e4.<\/p>\n

\uc65c \uc774\ub807\uac8c \ucc28\uc774\uac00 \ud074\uae4c\uc694. \uac00\uc7a5 \ud070 \uc774\uc720\ub294 \uc8fc\ub9c8\ub2e4 \uc138\uae08\uacfc \ub4f1\ub85d\ube44 \uccb4\uacc4\uac00 \ub2e4\ub974\uace0, \ub300\ucd9c \uc0c1\ud488\uc5d0 \ub530\ub77c \uc120\ub0a9 \ud56d\ubaa9\uacfc \uc218\uc218\ub8cc \uad6c\uc870\uac00 \ub2e4\ub974\uae30 \ub54c\ubb38\uc785\ub2c8\ub2e4. \ucf58\ub3c4\uc778\uc9c0 \ub2e8\ub3c5\uc8fc\ud0dd\uc778\uc9c0, \uc790\uac00\uac70\uc8fc\uc778\uc9c0 \ud22c\uc790\uc6a9\uc778\uc9c0\uc5d0 \ub530\ub77c\uc11c\ub3c4 \ub2ec\ub77c\uc9c8 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \ub610 \uc140\ub7ec\uac00 \uc77c\ubd80 \ube44\uc6a9\uc744 \ubd80\ub2f4\ud558\ub294 \uacc4\uc57d\uc778\uc9c0, \ubc14\uc774\uc5b4\uac00 \ub300\ubd80\ubd84 \ubd80\ub2f4\ud558\ub294 \uc2dc\uc7a5\uc778\uc9c0\uc5d0 \ub530\ub77c \uc2e4\uc81c \ud604\uae08 \ud544\uc694\uc561\uc740 \ud06c\uac8c \ub2ec\ub77c\uc9d1\ub2c8\ub2e4.<\/p>\n

\uc911\uc694\ud55c \uc810\uc740 \ud074\ub85c\uc9d5 \ube44\uc6a9\uc744 \ud558\ub098\uc758 \uace0\uc815 \uc22b\uc790\ub85c \uc0dd\uac01\ud558\uba74 \uc548 \ub41c\ub2e4\ub294 \uac83\uc785\ub2c8\ub2e4. \uc628\ub77c\uc778\uc5d0\uc11c \ubcf8 \ud3c9\uade0\uce58\ub9cc \ubbff\uae30\ubcf4\ub2e4, \ubcf8\uc778 \uac70\ub798\uc758 Loan Estimate\uc640 Closing Disclosure\ub97c \uae30\uc900\uc73c\ub85c \ud310\ub2e8\ud574\uc57c \ud569\ub2c8\ub2e4.<\/p>\n

\ud074\ub85c\uc9d5 \ube44\uc6a9\uc5d0\ub294 \ubb34\uc5c7\uc774 \ud3ec\ud568\ub418\ub098<\/h2>\n

\ubbf8\uad6d \uc8fc\ud0dd\uad6c\uc785 \ud074\ub85c\uc9d5 \ube44\uc6a9\uc744 \uc774\ud574\ud558\ub824\uba74 \ube44\uc6a9\uc744 \ub450 \ub369\uc5b4\ub9ac\ub85c \ub098\ub204\uc5b4 \ubcf4\ub294 \uac83\uc774 \uac00\uc7a5 \uc27d\uc2b5\ub2c8\ub2e4. \ud558\ub098\ub294 \ub300\ucd9c \ubc0f \uac70\ub798 \ucc98\ub9ac \uc218\uc218\ub8cc\uc774\uace0, \ub2e4\ub978 \ud558\ub098\ub294 \uc120\ub0a9 \ube44\uc6a9\uacfc \uc900\ube44\uae08\uc785\ub2c8\ub2e4.<\/p>\n

\ub300\ucd9c \uad00\ub828 \uc218\uc218\ub8cc<\/h3>\n

\uc5ec\uae30\uc5d0\ub294 lender fee, underwriting fee, processing fee \uac19\uc740 \ub300\ucd9c \uc2ec\uc0ac \ubc0f \ubb38\uc11c \ucc98\ub9ac \ube44\uc6a9\uc774 \ub4e4\uc5b4\uac08 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uacbd\uc6b0\uc5d0 \ub530\ub77c discount points\uac00 \ud3ec\ud568\ub418\uae30\ub3c4 \ud569\ub2c8\ub2e4. \ud3ec\uc778\ud2b8\ub294 \uc774\uc790\uc728\uc744 \ub0ae\ucd94\uae30 \uc704\ud574 upfront\ub85c \ub0b4\ub294 \ube44\uc6a9\uc778\ub370, \ud56d\uc0c1 \uc720\ub9ac\ud55c \uac83\uc740 \uc544\ub2d9\ub2c8\ub2e4. \uc624\ub798 \ubcf4\uc720\ud560 \uc8fc\ud0dd\uc774\ub77c\uba74 \uc758\ubbf8\uac00 \uc788\uc744 \uc218 \uc788\uc9c0\ub9cc, \uba87 \ub144 \uc548\uc5d0 \uc7ac\uc735\uc790\ub098 \ub9e4\uac01 \uac00\ub2a5\uc131\uc774 \uc788\ub2e4\uba74 \uc190\uc775\ubd84\uae30\uc810\uc744 \ub530\uc838\ubd10\uc57c \ud569\ub2c8\ub2e4.<\/p>\n

\uac10\uc815\ube44\ub3c4 \uc790\uc8fc \ud3ec\ud568\ub429\ub2c8\ub2e4. \ub300\ucd9c\uae30\uad00\uc740 \ub2f4\ubcf4 \uac00\uce58 \ud655\uc778\uc744 \uc704\ud574 appraisal\uc744 \uc694\uad6c\ud558\uba70, \uc774\ub294 \ub300\uac1c \ubc14\uc774\uc5b4\uac00 \ubd80\ub2f4\ud569\ub2c8\ub2e4. \ud06c\ub808\ub527 \ub9ac\ud3ec\ud2b8 \ube44\uc6a9\uc774\ub098 flood certification \uac19\uc740 \uc18c\uc561 \ud56d\ubaa9\ub3c4 \ub354\ud574\uc9c8 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n

\ud0c0\uc774\ud2c0, \uc5d0\uc2a4\ud06c\ub85c, \ubc95\uc801 \ucc98\ub9ac \ube44\uc6a9<\/h3>\n

\ubbf8\uad6d \ubd80\ub3d9\uc0b0 \uac70\ub798\uc5d0\uc11c\ub294 \ud0c0\uc774\ud2c0 \uc870\uc0ac\uc640 \uc18c\uc720\uad8c \ubcf4\ud5d8\uc774 \ud575\uc2ec\uc785\ub2c8\ub2e4. \ud0c0\uc774\ud2c0 \ud68c\uc0ac\ub294 \ud574\ub2f9 \ubd80\ub3d9\uc0b0\uc758 \uc18c\uc720\uad8c \ubb38\uc81c, lien, \ubbf8\ub0a9 \uc138\uae08, \ubc95\uc801 \ud558\uc790 \uc5ec\ubd80\ub97c \ud655\uc778\ud569\ub2c8\ub2e4. title insurance\ub294 \uc608\uc0c1\uce58 \ubabb\ud55c \uc18c\uc720\uad8c \ubd84\uc7c1\uc73c\ub85c\ubd80\ud130 \uad6c\ub9e4\uc790\ub098 \ub300\ucd9c\uae30\uad00\uc744 \ubcf4\ud638\ud558\ub294 \uc5ed\ud560\uc744 \ud569\ub2c8\ub2e4.<\/p>\n

\uc5d0\uc2a4\ud06c\ub85c \uc218\uc218\ub8cc, notarization, recording fee\ub3c4 \ubc1c\uc0dd\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc77c\ubd80 \uc8fc\uc5d0\uc11c\ub294 attorney\uac00 \ud074\ub85c\uc9d5\uc5d0 \uad00\uc5ec\ud574 \ubcc0\ud638\uc0ac \ube44\uc6a9\uc774 \ub4e4\uc5b4\uac00\uae30\ub3c4 \ud569\ub2c8\ub2e4. \uc774\ub7f0 \ube44\uc6a9\uc740 \uc9c0\uc5ed \uad00\ud589\uc774 \uac15\ud558\uac8c \uc791\uc6a9\ud558\ubbc0\ub85c, \ub2e4\ub978 \uc8fc\uc5d0\uc11c \uc8fc\ud0dd\uc744 \uc0ac \ubcf8 \uacbd\ud5d8\uc774 \uc788\uc5b4\ub3c4 \uac19\uc740 \uae30\uc900\uc73c\ub85c \ubcf4\uba74 \uc548 \ub429\ub2c8\ub2e4.<\/p>\n

\uc120\ub0a9 \uc774\uc790, \uc7ac\uc0b0\uc138, \ubcf4\ud5d8\ub8cc<\/h3>\n

\ud074\ub85c\uc9d5 \ube44\uc6a9\uc774 \uc608\uc0c1\ubcf4\ub2e4 \ucee4\uc9c0\ub294 \uc774\uc720 \uc911 \ud558\ub098\uac00 \ubc14\ub85c \uc774 \uc120\ub0a9 \ud56d\ubaa9\uc785\ub2c8\ub2e4. \uc9d1\uc744 \uc0b0 \ub0a0\ubd80\ud130 \uc6d4\ub9d0\uae4c\uc9c0\uc758 mortgage interest\ub97c \ubbf8\ub9ac \ub0a9\ubd80\ud574\uc57c \ud560 \uc218 \uc788\uace0, homeowner’s insurance 1\ub144\uce58 \ub610\ub294 \uba87 \uac1c\uc6d4\uce58 \uc900\ube44\uae08\uc774 \ud544\uc694\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc7ac\uc0b0\uc138\ub3c4 escrow account \uc124\uc815\uc744 \uc704\ud574 \uba87 \uac1c\uc6d4\uce58\ub97c \ubbf8\ub9ac \ub123\ub294 \uacbd\uc6b0\uac00 \ub9ce\uc2b5\ub2c8\ub2e4.<\/p>\n

\uc989, \ud074\ub85c\uc9d5 \ube44\uc6a9 \uc911 \uc77c\ubd80\ub294 \uc218\uc218\ub8cc\ub77c\uae30\ubcf4\ub2e4 \ud5a5\ud6c4 \ub0a9\ubd80\ud560 \ube44\uc6a9\uc744 \uc55e\ub2f9\uaca8 \ub123\ub294 \uc131\uaca9\uc785\ub2c8\ub2e4. \uadf8\ub798\uc11c \uc22b\uc790\uac00 \ucee4 \ubcf4\uc5ec\ub3c4 \uc804\ubd80\uac00 \uc21c\uc218\ud55c \uac70\ub798\ube44\uc6a9\uc740 \uc544\ub2d9\ub2c8\ub2e4. \uc774 \ucc28\uc774\ub97c \uc774\ud574\ud558\uba74 \ube44\uc6a9\ud45c\ub97c \ubcfc \ub54c \ud6e8\uc52c \ub35c \ud63c\ub780\uc2a4\ub7fd\uc2b5\ub2c8\ub2e4.<\/p>\n

\ub2e4\uc6b4\ud398\uc774\uba3c\ud2b8\uc640 \ud074\ub85c\uc9d5 \ube44\uc6a9\uc740 \ubcc4\uac1c\uc785\ub2c8\ub2e4<\/h2>\n

\uc2e4\ubb34\uc5d0\uc11c \uac00\uc7a5 \uc790\uc8fc \uc0dd\uae30\ub294 \uc624\ud574\uac00 \uc774\uac83\uc785\ub2c8\ub2e4. \ub2e4\uc6b4\ud398\uc774\uba3c\ud2b8 20\ud37c\uc13c\ud2b8\ub9cc \uc900\ube44\ud558\uba74 \ub05d\ub09c\ub2e4\uace0 \uc0dd\uac01\ud558\ub294 \uacbd\uc6b0\uac00 \ub9ce\uc9c0\ub9cc, \uc2e4\uc81c\ub85c\ub294 \uadf8 \uc678\uc5d0 \ud074\ub85c\uc9d5 \ube44\uc6a9\uc744 \uc704\ud55c \ucd94\uac00 \ud604\uae08\uc774 \ud544\uc694\ud569\ub2c8\ub2e4.<\/p>\n

\uc608\ub97c \ub4e4\uc5b4 70\ub9cc \ub2ec\ub7ec \uc9d1\uc5d0 20\ud37c\uc13c\ud2b8 \ub2e4\uc6b4\uc744 \ub123\ub294\ub2e4\uba74 \ub2e4\uc6b4\ud398\uc774\uba3c\ud2b8\ub9cc 14\ub9cc \ub2ec\ub7ec\uc785\ub2c8\ub2e4. \uc5ec\uae30\uc5d0 \ud074\ub85c\uc9d5 \ube44\uc6a9\uc774 1\ub9cc5\ucc9c \ub2ec\ub7ec\uc5d0\uc11c 2\ub9cc5\ucc9c \ub2ec\ub7ec \uc774\uc0c1 \ubd99\uc744 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \ud604\uae08 \uacc4\ud68d\uc774 \ube61\ube61\ud55c \ubc14\uc774\uc5b4\ub77c\uba74 \uc2b9\uc778 \uc790\uccb4\ubcf4\ub2e4 \ud074\ub85c\uc9d5 \uc790\uae08 \uc900\ube44\uc5d0\uc11c \uc5b4\ub824\uc6c0\uc744 \uacaa\ub294 \uacbd\uc6b0\uac00 \ub354 \ub9ce\uc2b5\ub2c8\ub2e4.<\/p>\n

\uadf8\ub798\uc11c \ud504\ub9ac\uc5b4\ud504\ub8e8\ubc8c \ub2e8\uacc4\uc5d0\uc11c \ub2e8\uc21c\ud788 \ucd5c\ub300 \ub300\ucd9c \uac00\ub2a5\uc561\ub9cc \ubcfc \uac83\uc774 \uc544\ub2c8\ub77c, \uc2e4\uc81c\ub85c \ud544\uc694\ud55c \ucd1d \ud604\uae08 to close\ub97c \ud568\uaed8 \uacc4\uc0b0\ud574\uc57c \ud569\ub2c8\ub2e4. \uacbd\ud5d8 \uc788\ub294 \ubaa8\uae30\uc9c0 \ube0c\ub85c\ucee4\uac00 \ud544\uc694\ud55c \uc774\uc720\ub3c4 \uc5ec\uae30 \uc788\uc2b5\ub2c8\ub2e4. URI Financial \uac19\uc740 \uad6c\uc870\ud654\ub41c \uc0c1\ub2f4\uc740 \ub2e8\uc21c \uae08\ub9ac \ube44\uad50\ubcf4\ub2e4 \uc774\ub7f0 \uc790\uae08 \uacc4\ud68d\uc744 \uba3c\uc800 \uc815\ub9ac\ud574 \uc8fc\ub294 \ub370 \uac15\uc810\uc774 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n

\uc5b4\ub5a4 \uacbd\uc6b0\uc5d0 \ube44\uc6a9\uc774 \ub354 \ub192\uc544\uc9c0\ub098<\/h2>\n

\ubaa8\ub4e0 \ubc14\uc774\uc5b4\uac00 \uac19\uc740 \uc218\uc900\uc758 \ube44\uc6a9\uc744 \ub0b4\ub294 \uac83\uc740 \uc544\ub2d9\ub2c8\ub2e4. \uba87 \uac00\uc9c0 \uc0c1\ud669\uc5d0\uc11c\ub294 \ube44\uc6a9\uc774 \uc0c1\ub300\uc801\uc73c\ub85c \ub192\uc544\uc9c8 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n

\uba3c\uc800 \ud06c\ub808\ub527 \ud504\ub85c\ud30c\uc77c\uc774 \uc57d\ud558\uac70\ub098 \ub300\ucd9c \uad6c\uc870\uac00 \ubcf5\uc7a1\ud55c \uacbd\uc6b0\uc785\ub2c8\ub2e4. \uc790\uc601\uc5c5\uc790, \uc18c\ub4dd\uc99d\ube59\uc774 \uc81c\ud55c\uc801\uc778 \ucc28\uc8fc, \uc678\uad6d\uc778 \uad6c\ub9e4\uc790\ub294 \uc77c\ubc18 \ucee8\ubca4\uc154\ub110 \ub300\ucd9c\uacfc \ub2e4\ub978 \ud504\ub85c\uadf8\ub7a8\uc744 \uc0ac\uc6a9\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc774\ub7f0 \uacbd\uc6b0 \uae08\ub9ac\ubfd0 \uc544\ub2c8\ub77c lender fee\ub098 reserve \uc694\uac74, \uc120\ub0a9 \uc870\uac74\uae4c\uc9c0 \uc804\uccb4 \uad6c\uc870\uac00 \ub2ec\ub77c\uc9c8 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n

\ub458\uc9f8\ub294 \ud22c\uc790\uc6a9 \ubd80\ub3d9\uc0b0 \ub610\ub294 \uc138\ucee8\ub4dc \ud648\uc785\ub2c8\ub2e4. \uc8fc\uac70\uc6a9 \ubcf8\uc778 \uac70\uc8fc \uc8fc\ud0dd\ubcf4\ub2e4 \uac00\uaca9 \uc870\uc815\uc774 \ub4e4\uc5b4\uac08 \uc218 \uc788\uace0, \ub9ac\uc2a4\ud06c \uae30\ubc18 \uc218\uc218\ub8cc\uac00 \ubd99\ub294 \uacbd\uc6b0\uac00 \uc788\uc2b5\ub2c8\ub2e4. \uc14b\uc9f8\ub294 \uc2dc\uc7a5 \uc0c1\ud669\uc785\ub2c8\ub2e4. \uc140\ub7ec \uc6b0\uc704 \uc2dc\uc7a5\uc5d0\uc11c\ub294 \ubc14\uc774\uc5b4\uac00 \ube44\uc6a9 \ud611\uc0c1\uc5d0\uc11c \ubd88\ub9ac\ud558\uace0, \ubc18\ub300\ub85c \uc2dc\uc7a5\uc774 \ub290\ub9b4 \ub54c\ub294 seller credit\uc744 \ubc1b\uae30 \uc26c\uc6cc\uc9d1\ub2c8\ub2e4.<\/p>\n

\ub9c8\uc9c0\ub9c9\uc73c\ub85c \ud074\ub85c\uc9d5 \ub0a0\uc9dc\ub3c4 \uc601\ud5a5\uc744 \uc90d\ub2c8\ub2e4. \uc6d4\ub9d0\uc5d0 \ub2eb\uc73c\uba74 \uc120\ub0a9 \uc774\uc790\uac00 \uc801\uc744 \uc218 \uc788\uace0, \uc6d4\ucd08\uc5d0 \ub2eb\uc73c\uba74 \ub354 \ub9ce\uc774 \ud544\uc694\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc791\uc740 \ucc28\uc774 \uac19\uc9c0\ub9cc \uc2e4\uc81c cash to close\uc5d0\ub294 \ubd84\uba85\ud55c \uc601\ud5a5\uc744 \uc90d\ub2c8\ub2e4.<\/p>\n

\ubbf8\uad6d \uc8fc\ud0dd\uad6c\uc785 \ud074\ub85c\uc9d5 \ube44\uc6a9 \uc904\uc774\ub294 \ubc29\ubc95<\/h2>\n

\ube44\uc6a9\uc744 \ubb34\uc870\uac74 \uc5c6\uc568 \uc218\ub294 \uc5c6\uc9c0\ub9cc, \uc904\uc774\uac70\ub098 \uc870\uc815\ud560 \uc218\ub294 \uc788\uc2b5\ub2c8\ub2e4. \uac00\uc7a5 \ud604\uc2e4\uc801\uc778 \ubc29\ubc95\uc740 lender credit\uacfc seller credit\uc744 \uc5b4\ub5bb\uac8c \ud65c\uc6a9\ud560\uc9c0 \uac80\ud1a0\ud558\ub294 \uac83\uc785\ub2c8\ub2e4. lender credit\uc740 \ub354 \ub192\uc740 \uae08\ub9ac\ub97c \uc120\ud0dd\ud558\ub294 \ub300\uc2e0 \uc77c\ubd80 \ud074\ub85c\uc9d5 \ube44\uc6a9\uc744 \ub300\ucd9c\uae30\uad00\uc774 \ubd80\ub2f4\ud558\ub294 \uad6c\uc870\uc785\ub2c8\ub2e4. \ub2f9\uc7a5 \ud604\uae08\uc774 \ubd80\uc871\ud55c \ubc14\uc774\uc5b4\uc5d0\uac8c\ub294 \ub3c4\uc6c0\uc774 \ub418\uc9c0\ub9cc, \uc7a5\uae30\uc801\uc73c\ub85c \ub354 \ub9ce\uc740 \uc774\uc790\ub97c \ub0bc \uc218 \uc788\uc73c\ubbc0\ub85c \ubcf4\uc720 \uae30\uac04\uc744 \uace0\ub824\ud574\uc57c \ud569\ub2c8\ub2e4.<\/p>\n

seller credit\uc740 \uacc4\uc57d \ud611\uc0c1\uc5d0\uc11c \uc140\ub7ec\uac00 \ubc14\uc774\uc5b4\uc758 \uc77c\ubd80 \ud074\ub85c\uc9d5 \ube44\uc6a9\uc744 \ubd80\ub2f4\ud558\ub294 \ubc29\uc2dd\uc785\ub2c8\ub2e4. \ub2e4\ub9cc \ub300\ucd9c \uc885\ub958\uc5d0 \ub530\ub77c \ud5c8\uc6a9 \ud55c\ub3c4\uac00 \ub2e4\ub974\uace0, \uacbd\uc7c1\uc774 \uce58\uc5f4\ud55c \uc2dc\uc7a5\uc5d0\uc11c\ub294 \ubc1b\uc544\ub0b4\uae30 \uc5b4\ub835\uc2b5\ub2c8\ub2e4. \ub530\ub77c\uc11c \ucc98\uc74c \uc624\ud37c\ub97c \ub123\uc744 \ub54c\ubd80\ud130 \uc804\ub7b5\uc801\uc73c\ub85c \uc811\uadfc\ud574\uc57c \ud569\ub2c8\ub2e4.<\/p>\n

\uc1fc\ud551\uc774 \uac00\ub2a5\ud55c \ud56d\ubaa9\uacfc \uc544\ub2cc \ud56d\ubaa9\uc744 \uad6c\ubd84\ud558\ub294 \uac83\ub3c4 \uc911\uc694\ud569\ub2c8\ub2e4. \ubaa8\ub4e0 \ube44\uc6a9\uc774 \ud611\uc0c1 \uac00\ub2a5\ud55c \uac83\uc740 \uc544\ub2c8\uc9c0\ub9cc, \ud0c0\uc774\ud2c0 \uc11c\ube44\uc2a4\ub098 \uc77c\ubd80 \uc81c3\uc790 \ube44\uc6a9\uc740 \ube44\uad50\uac00 \uac00\ub2a5\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \ubc18\uba74 \uc815\ubd80 \ub4f1\ub85d\ube44\ub098 \uc138\uae08\ucc98\ub7fc \uc815\ud574\uc9c4 \ud56d\ubaa9\uc740 \uac70\uc758 \uc870\uc815 \uc5ec\uc9c0\uac00 \uc5c6\uc2b5\ub2c8\ub2e4.<\/p>\n

\ud3ec\uc778\ud2b8\ub97c \uc0b4\uc9c0 \ub9d0\uc9c0\ub3c4 \uacc4\uc0b0\uc774 \ud544\uc694\ud569\ub2c8\ub2e4. \uae08\ub9ac\ub97c \uc870\uae08 \ub0ae\ucd94\uaca0\ub2e4\uace0 upfront \ube44\uc6a9\uc744 \ud06c\uac8c \ub0b4\ub294 \uac83\uc774 \ud56d\uc0c1 \uc815\ub2f5\uc740 \uc544\ub2d9\ub2c8\ub2e4. \uc6d4 \ud398\uc774\uba3c\ud2b8 \uc808\uac10\uc561\uacfc \uc608\uc0c1 \ubcf4\uc720 \uae30\uac04\uc744 \ub193\uace0 \ube44\uad50\ud574\uc57c \ud569\ub2c8\ub2e4. \uc2e4\ubb34\uc5d0\uc11c\ub294 \uae08\ub9ac\ub9cc \ubcf4\uace0 \uacb0\uc815\ud588\ub2e4\uac00, \ub098\uc911\uc5d0 \ud604\uae08 \uc720\ub3d9\uc131\uc774 \ubd80\uc871\ud574\uc9c0\ub294 \uacbd\uc6b0\uac00 \uc801\uc9c0 \uc54a\uc2b5\ub2c8\ub2e4.<\/p>\n

\ud074\ub85c\uc9d5 \uc9c1\uc804 \uaf2d \ud655\uc778\ud560 \uc11c\ub958<\/h2>\n

\ubc14\uc774\uc5b4\uac00 \ubc18\ub4dc\uc2dc \uc790\uc138\ud788 \ubd10\uc57c \ud560 \ubb38\uc11c\ub294 Loan Estimate\uc640 Closing Disclosure\uc785\ub2c8\ub2e4. Loan Estimate\ub294 \ucd08\uae30 \uc608\uc0c1\uce58\uc774\uace0, Closing Disclosure\ub294 \ucd5c\uc885 \ud655\uc815\uc5d0 \uac00\uae4c\uc6b4 \uc22b\uc790\uc785\ub2c8\ub2e4. \ub450 \ubb38\uc11c\ub97c \ube44\uad50\ud558\uba74 \uc5b4\ub5a4 \ube44\uc6a9\uc774 \ub298\uc5c8\ub294\uc9c0, \uc65c \ubc14\ub00c\uc5c8\ub294\uc9c0 \ud655\uc778\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n

\uc5ec\uae30\uc11c \uc911\uc694\ud55c \uac83\uc740 \ucd1d\uc561\ub9cc \ubcf4\ub294 \uac83\uc774 \uc544\ub2c8\ub77c \ud56d\ubaa9\ubcc4 \uc131\uaca9\uc744 \uad6c\ubd84\ud558\ub294 \uc77c\uc785\ub2c8\ub2e4. \uc218\uc218\ub8cc\uc778\uc9c0, \uc120\ub0a9 \ube44\uc6a9\uc778\uc9c0, \uc5d0\uc2a4\ud06c\ub85c \uc900\ube44\uae08\uc778\uc9c0 \uad6c\ubd84\ud574\uc57c \ud611\uc0c1 \ud3ec\uc778\ud2b8\uc640 \uc2e4\uc81c \ubd80\ub2f4\uc744 \ud310\ub2e8\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc608\uc0c1\ubcf4\ub2e4 \uc22b\uc790\uac00 \ucee4\uc84c\ub2e4\uba74 \ubc14\ub85c \uc9c8\ubb38\ud574\uc57c \ud569\ub2c8\ub2e4. \ud074\ub85c\uc9d5 \ud558\ub8e8 \uc804\uc774 \uc544\ub2c8\ub77c, \ubb38\uc11c\ub97c \ubc1b\ub294 \uc989\uc2dc \ud655\uc778\ud558\ub294 \uc2b5\uad00\uc774 \ud544\uc694\ud569\ub2c8\ub2e4.<\/p>\n

\ub610 \uc790\uae08 \ucd9c\ucc98\ub3c4 \ubbf8\ub9ac \uc815\ub9ac\ud574\uc57c \ud569\ub2c8\ub2e4. \ubbf8\uad6d \ub300\ucd9c \uc2ec\uc0ac\uc5d0\uc11c\ub294 \ub2e4\uc6b4\ud398\uc774\uba3c\ud2b8\uc640 \ud074\ub85c\uc9d5 \ube44\uc6a9 \uc790\uae08\uc758 \ucd9c\ucc98 \ud655\uc778\uc774 \uc911\uc694\ud569\ub2c8\ub2e4. \ud070 \uae08\uc561\uc774 \uac11\uc790\uae30 \uc785\uae08\ub418\uba74 \ucd94\uac00 \uc11c\ub958 \uc694\uccad\uc774 \ub098\uc62c \uc218 \uc788\uace0, \ud574\uc678 \uc1a1\uae08\uc774 \ud3ec\ud568\ub418\uba74 \uc2dc\uac04\ub3c4 \ub354 \ud544\uc694\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc790\uae08\uc740 \ub2a6\uc9c0 \uc54a\uac8c, \uae30\ub85d\uc774 \uba85\ud655\ud55c \ubc29\uc2dd\uc73c\ub85c \uc900\ube44\ud558\ub294 \uac83\uc774 \uc548\uc804\ud569\ub2c8\ub2e4.<\/p>\n

\uc9d1\uc744 \uc0ac\ub294 \uacfc\uc815\uc5d0\uc11c \ud074\ub85c\uc9d5 \ube44\uc6a9\uc740 \ud53c\ud560 \uc218 \uc5c6\ub294 \ud56d\ubaa9\uc774\uc9c0\ub9cc, \ub180\ub784 \ud544\uc694\ub294 \uc5c6\uc2b5\ub2c8\ub2e4. \ubbf8\ub9ac \uad6c\uc870\ub97c \uc774\ud574\ud558\uace0, \ub0b4 \ub300\ucd9c \uc870\uac74\uacfc \uc9c0\uc5ed \uad00\ud589\uc5d0 \ub9de\ucdb0 \uacc4\uc0b0\ud558\uba74 \ucda9\ubd84\ud788 \ud1b5\uc81c\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc9d1\uac12 \ud611\uc0c1\ub9cc\ud07c\uc774\ub098 \uc911\uc694\ud55c \uac83\uc774 \ub9c8\uc9c0\ub9c9 \ud14c\uc774\ube14\uc5d0\uc11c \uc5bc\ub9c8\uc758 \ud604\uae08\uc774 \ud544\uc694\ud55c\uc9c0 \uc544\ub294 \uc77c\uc785\ub2c8\ub2e4. \uadf8 \uc22b\uc790\ub97c \uc815\ud655\ud788 \uc54c\uace0 \uc6c0\uc9c1\uc774\ub294 \ubc14\uc774\uc5b4\uac00 \uacb0\uad6d \ub354 \uc720\ub9ac\ud55c \uac70\ub798\ub97c \ud569\ub2c8\ub2e4.<\/p>\n","protected":false},"excerpt":{"rendered":"

\ubbf8\uad6d \uc8fc\ud0dd\uad6c\uc785 \ud074\ub85c\uc9d5 \ube44\uc6a9\uc740 \ub2e4\uc6b4\ud398\uc774\uba3c\ud2b8\uc640 \ubcc4\ub3c4\ub85c \uc900\ube44\ud574\uc57c \ud569\ub2c8\ub2e4. \ud56d\ubaa9\ubcc4 \uad6c\uc131, \ud3c9\uade0 \ubc94\uc704, \uc808\uac10 \ubc29\ubc95\uae4c\uc9c0 \uc2e4\ubb34 \uae30\uc900\uc73c\ub85c 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