This 100% financing for a duplex seems too good to be true..

[Adrian Caminos]

Please let me know if this private financing from Below is a sample of the loan repayment schedule for the loan amount of $85,000 for 25 years term. Review the numbers and let me know if you are comfortable with the term. 
NOTE: There is no prepayment penalty and there is a 6 months grace period before repayment. 
LOAN REPAYMENT PLAN 

Loan Balance: $85,000.00
Loan Interest Rate: 5.00%
Loan Fees: $1,350.00
Loan Term: 25 years

Monthly Loan Payment: $496.90
Number of Payments: 300

Cumulative Payments: $149,070.92
Total Interest Paid: $64,070.92
Note: The monthly loan payment was calculated at 299 payments of $496.90 plus a final payment of $497.82.