The large gift of equity (~35%) allowed us to tweak the numbers around to get all closing and prepaids with the exception of only $100.22 OOP (the lender came up with the OOP #, it just had to be > $0)The purchase price on the contract was $120k with a gift of equity clause basically stating that no less than 20% of equity will be gifted to buyer to use as the down payment with the loan amount set to 85k.

And if you’ve prepaid for your options and upgrades?

Points are prepaid interest.

Balance due at closing (not including Buyer's closing cost, prepaid items or prorations) inU.S. cash or locally drawn certified or cashiers check.approximately.____ exactly ____$______________D.

For the most part I don't like long pre-paids.  

I use pre-paid cards like Mango Money (6%) and NetSpend ( 5%) to park my cash, pm me if you need info. 

In other words, if the prepaids and escrows and title searches are going to cost approximately the same regardless of lender, which portions can tell me which lender is a better deal?

Depending on your tax situation, could you prepay enough expenses to offset the (prepaid) income?  

To get the true loan costs, we have to separate down payment, pre-paids (like interest <30 days, property taxes, hazard insurance) and escrow/title fees from the total.   

@Paul SandhuAnd I was also wondering what is ABB doing with all that prepaid rent while they are holding it, in addition to collecting such a big fee from the guests.