LOAN QUESTIONS IN 800 SERIES OF HUD-1 Question: If a borrower pays some of the origination charge prior to closing, how should it be disclosed on the HUD-1?
The full charge for origination, except for any charge for the specific interest rate chosen (points), must be shown on Line 801 of the HUD-1 to the left of the borrower’s column. If the borrower pays some of the origination charge before settlement, an offsetting credit in that amount is shown on the first page of the HUD-1 in Lines 204-209. Lines 801, 802, and 803 of the HUD-1 may not contain any “Paid Outside of Closing” (P.O.C.) items.
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