Sell to pay ---% of purchase price for buyers prepaids, points, and nonrecurring closing costs.

Prepaid items that you cough up at closing, like taxes in some places, do not count.

(I have a pre-paid legal plan so that would not have cost me much but it would have taken some more time.)

Any payments on the balance remaining from the original loanmust be included in the DTI ratio calculation for the refi transaction. o Funds received as gifts and used to purchase the property may not bereimbursed with proceeds of the new mortgage loan The new loan amount can be no more than the actual documented amount of theborrower’s initial investment in purchasing the property plus the financing of closingcosts, prepaid fees, and point on the new mortgage loan.

If you are seeking to keep your legal fees to a minimum, I suggest you research the various pre-paid legal services plans available.

Try to get something in writing from her that says she is voluntarily releasing possession and returning possession to you, with any pre-paid rents remaining with the landlord as consideration for early lease termination.

Lower rates often have higher application and origination fees - plus prepaid points. 

If we can't, then onto the next step.Second we must attempt to hand deliver the notice to each tenant by handing the notice to a person of suitable age and discretion at the tenant's residence, AND deposit a true copy in the U.S.Mail, in a sealed envelope with postage fully prepaid, addressed to the tenant(s) at his/her place of residence on the same date.  

Everything else is estimates, prepaids, and cost of other things that you can shop around yourself but regulartly don't vary much in price.$1600 seems pretty normal to me for how big of a loan you are getting.

The way to finance closing costs is offer aggressively and with FHA you can ask the Seller to pay up to 6% of the sale price for your closing costs & prepaid items like an entire first years worth of home insurance, attorney fee etc.