What do typical closing costs include for an FHA loan in North Carolina and which fees are legally allowed to be negotiated down?
Download run
Fan-out diagram
The searches the AI actually ran for this prompt.
SEED QUERY
What do typical closing costs include for an FHA loan in North Carolina and which fees are legally allowed to be negotiated down?
3 real searches · 1 real-search pass
North Carolina FHA loan closing costs negotiable fees seller concessions title insurance attorney fees recording fees officialGoogle ↗
OBSERVEDReason
HUD FHA allowable closing costs lender fees seller concessions 6 percent interested party contributions officialGoogle ↗
OBSERVEDComparison
CFPB mortgage closing costs shop services lender fees negotiate Loan Estimate officialGoogle ↗
OBSERVEDComparison
Badge and edge weight = share of passes that produced the query. Hover a query for its intent and routing format.
Query classes
Google's semantic query class for every sub-query: what kind of answer each search is after, simulated vs real.
ChatGPT real searches (3)
Classes come from the query-classifier (a local Laya model). 3 of 3 calls are low-confidence (under 50%) — hover a query in the table to see its confidence.
Searches and sources
ChatGPT3 real searches · gpt-6
North Carolina FHA loan closing costs negotiable fees seller concessions title insurance attorney fees recording fees official Google ↗
HUD FHA allowable closing costs lender fees seller concessions 6 percent interested party contributions official Google ↗
CFPB mortgage closing costs shop services lender fees negotiate Loan Estimate official Google ↗
- Am I allowed to negotiate the terms and costs of my mortgage at closing? · consumerfinance.gov
- Closing Costs 101 · nchfa.com
- Closing disclosure explainer · consumerfinance.gov
- FHA Single Family Housing Policy Handbook · hud.gov
- HUD 4155.1 · hud.gov
- Compare and negotiate your loan offers · consumerfinance.gov
Queries
3 queries · click a column to sort
| Query / type | Search | Intent | Query class | Routing format | Cluster | Freq ↓ | Weight |
|---|---|---|---|---|---|---|---|
North Carolina FHA loan closing costs negotiable fees seller concessions title insurance attorney fees recording fees official OBSERVED | Google ↗ AI Mode ↗ | — | Reason | — | — | 1x of 1 | |
HUD FHA allowable closing costs lender fees seller concessions 6 percent interested party contributions official OBSERVED | Google ↗ AI Mode ↗ | — | Comparison | — | — | 1x of 1 | |
CFPB mortgage closing costs shop services lender fees negotiate Loan Estimate official OBSERVED | Google ↗ AI Mode ↗ | — | Comparison | — | — | 1x of 1 |