HomeMy WebLinkAbout12-12-14 (2) J REV-1500 EX(02-11) 1505610143
PA Department of Revenue OFFICIAL USE ONLY
P pennsylvania County Code Year File Number
Bureau of Individual Taxes DEPARTMENT OF REVENUE
PO BOx.280601 INHERITANCE TAX RETURN 21 14 00481
Harrisburg,PA 17128-0601 RESIDENT DECEDENT
ENTER DECEDENT INFORMATION BELOW
Social Security Number Date of Death Date of Birth
04 21 2014 10 07 1940
Decedent's Last Name Suffix Decedent's First Name MI
DETWILER MARION R
(If Applicable)Enter Surviving Spouse's Information Below
Spouse's Last Name Suffix Spouse's First Name MI
Spouse's Social Security Number
THIS RETURN MUST BE FILED IN DUPLICATE WITH THE
REGISTER OF WILLS
FILL IN APPROPRIATE OVALS BELOW
® 1. Original Return ❑ 2. Supplemental Return ❑ 3.Remainder Return(Date of Death
Prior to 12-13-82)
❑ 4. Limited Estate ❑ 4a.Future Interest Compromise ❑ 5. Federal Estate Tax Return Required
(date of death after 12-12-82)
® g Decedent Died Testate ❑ Decedent Maintained a Living Trust 0 8. Total Number of Safe Deposit Boxes
(Attach Copy of Will) (Attach Copy of Trust)
❑ 9. Litigation Proceeds Received ❑ 1 o.Spousal Poverty Credit(Date of Death ❑ 11.Election to tax under Sec.9113(A)
between 12-31-91 and 1-1-95) (Attach Schedule 0)
CORRESPONDENT-THIS SECTION MUST BE COMPLETED.ALL CORRESPONDENCE AND CONFIDENTIAL TAX INFORMATION SHOULD BE DIRECTED TO:
Name Daytime Telephone Number
JAMES M ROBINSON 717 245 9688
REGISTER OF WILLS USE ONLY
ry
First Line of Address M �
rT1
129 SOUTH PITT STREET p r
� -act
C6 M
Second Line of Address Imo— x' t I
N .
City or Post Office State ZIP Code FI 'rt `s1
CARLISLE PA 17013 r— M
W 71
Correspondent's e-mail address: jrobinson@turolaw.com
Under penalties of perjury,I declare that I have examined this return,including accompanying schedules and statements,and to the best of my knowledge and belief,
it is true,correct and complete.Declaration of preparer other than the personal representative is based on all information of which preparer has any knowledge.
SIGN URE F PERSON RESPONSIBLE FOR FILING RETURN DATE
Debra Lee Tolan , I
ADDRESS
209 Chestnut Street, Mt. Holly Springs, PA 17065
SIG TURE OF PREPARER OTHE AN ESENTATIVE DATE
James M Robinson
�JIESs
t7uro Robinso
129 South Pitt Street, Carlisle, PA 17013
Side 1
1505610143 1505610143 J
1505610243
REV-1500 EX
Decedent's Social Security Number
Decedents Name: DETWILER, MARION REBECCA
RECAPITULATION
1. Real Estate(Schedule A).......................................................................................... 1. 80 , 000 . 00
2. Stocks and Bonds(Schedule B)............................................................................... 2.
3. Closely Held Corporation,Partnership or Sole-Proprietorship(Schedule C).......... 3.
4. Mortgages&Notes Receivable(Schedule D).......................................................... 4.
5• Cash,Bank Deposits&Miscellaneous Personal Property(Schedule E)................ 5. 27 , 016 . 11
6. Jointly Owned Property(Schedule F) ❑ Separate Billing Requested............. 6.
7. Inter-Vivos Transfers&Miscellaneous Non-Probate Property
(Schedule G) ❑ Separate Billing Requested............. 7, 23 , 514 . 30
8. Total Gross Assets(total Lines 1 through 7).......................................................... 8. 130 , 530 . 41
9. Funeral Expenses and Administrative Costs(Schedule H)..................................... 9. 17 , 492 . 34
10. Debts of Decedent,Mortgage Liabilities and Liens(Schedule 1)............................. 10. 2 , 481 . 83
11. Total Deductions(total Lines 9 and 10).................................................................. 11. 19 , 974 . 17
12. Net Value of Estate(Line 8 minus Line 11)............................................................. 12. 110 , 55 6 . 24
13. Charitable and Governmental Bequests/Sec 9113 Trusts for which
an election to tax has not been made(Schedule J)................................................. 13.
14. Net Value Subject to Tax(Line 12 minus Line 13)................................................. 14. 110 , 556 . 24
TAX COMPUTATION-SEE INSTRUCTIONS FOR APPLICABLE RATES
15. Amount of Line 14 taxable
at the spousal tax rate,or
transfers under Sec.9116
(a)(1.2)X.00 0 . 00 15•
16. Amount of Line 14 taxable
at lineal rate x .045 110 , 556 . 24 16. 4 , 975 . 03
17. Amount of Line 14 taxable
at sibling rate X .12 17.
18. Amount of Line 14 taxable
at collateral rate X .15 18.
19. TAX DUE................................................................................................................... 19. 4 , 975 . 03
20. FILL IN THE OVAL IF YOU ARE REQUESTING A REFUND OF AN OVERPAYMENT. ❑
Side 2
1505610243 1505610243
REV-1500 EX Page 3 File Number 21 - 14 - 00481
Decedent's Complete Address:
DECEDENTS-NAME
Detwiler, Marion Rebecca
STREET ADDRESS
1932 Spring Road
CITY STATE ZIP
Carlisle PA 17013
Tax Payments and Credits:
1. Tax Due(Page 2,Line 19) (1) 4,975.03
2. Credits/Payments
A. Prior Payments 343.57
B. Discount 18.08
Total Credits(A +B) (2) 361.65
3. Interest
(3) 0.00
4. If Line 2 is greater than Line 1 +Line 3,enter the difference. This is the OVERPAYMENT. (4)
Check box on Page 2,Line 20 to request a refund
5. If Line 1 +Line 3 is greater than Line 2,enter the difference. This is the TAX DUE. (5) 4,613.38
Make Check Payable to: REGISTER OF WILLS, AGENT.
PLEASE ANSWER THE FOLLOWING QUESTIONS BY PLACING AN "X" IN THE APPROPRIATE BLOCKS
1. Did decedent make a transfer and: Yes No
a. retain the use or income of the property transferred;.................................................................................. ❑
b. retain the right to designate who shall use the property transferred or its income;.................................... ❑ ❑x
c. retain a reversionary interest;or.................................................................................................................. ❑ 0
d. receive the promise for life of either payments,benefits or care?.............................................................. ❑ ❑x
2. If death occurred after Dec. 12, 1982, did decedent transfer property within one year of death without
receiving adequate consideration?....................................................................................................................... ❑
3. Did decedent own an"in trust for" or payable upon death bank account or security at his or her death?......... ❑ ❑x
4. Did decedent own an individual retirement account,annuity,or other non-probate property which
containsa beneficiary designation?...................................................................................................................... ❑x ❑
IF THE ANSWER TO ANY OF THE ABOVE QUESTIONS IS YES,YOU MUST COMPLETE SCHEDULE G AND FILE IT AS PART OF THE RETURN.
For dates of death on or after July 1, 1994 and before Jan. 1,1995,the tax rate imposed on the net value of transfers to or for the use of the surviving
spouse is 3 percent[72 P.S.§9116(a)(1.1)(i)].
For dates of death on or after January 1,1995,the tax rate imposed on the net value of transfers to or for the use of the surviving spouse is 0 percent
[72 P.S.§9116(a)(1.1)(ii)]. The statute does not exempt a transfer to a surviving spouse from tax,and the statutory requirements for disclosure of
assets and filing a tax reffurn are still applicable even if the surviving spouse is the only beneficiary.
For dates of death on or after July 1,2000:
•The tax rate imposed on the net value of transfers from a deceased child 21 years of age or younger at death to or for the use of a natural parent,an
adoptive parent,or a stepparent of the child is 0 percent[72 P.S.§9116(a)(1.2)].
•The tax rate imposed on the net value of transfers to or for the use of the decedent's lineal beneficiaries is 4.5 percent,except as noted in
[72 P.S.§9116(a)(1)].
•The tax rate imposed on the net value of transfers to or for the use of the decedent's siblings is 12 percent[72 P.S.§9116(a)(1.3)1. A
sibling is defined under Section 9102,as an individual who has at least one parent in common with the decedent,w ether y blood or adoption.
pennsylvania
DEPARTMENT OF REVENUE SCHEDULE A
INHERITANCE TAX RETURN REAL ESTATE
RESIDENT DECEDENT
BER
ESTATE OF Detwiler, Marion Rebecca 21 -FILE NUM- BER
0481
All real property owned solely or as a tenant in common must be reported at fair market value. Fair market value is defined as the price
at which property would be exchanged between a willing buyer and a willing seller, neither being compelled to buy or sell, both having
reasonable knowledge of the relevant facts. Real property which is jointly-owned with right of survivorship must be disclosed on
schedule F.
Attach a copy of the settlement sheet if the property has been sold.
Include a copy of the deed showing decedent's interest if owned as tenant in common.
ITEM VALUE AT DATE OF
NUMBER DESCRIPTION DEATH
1 1932 Spring Road, North Middleton Township, Cumberland County, Pennsylvania Valued at 80,000.00
sale price of property net of seller assistance (See attached HUD-1)
TOTAL(Also enter on Line 1, Recapitulation) 80,000.00
Rev-1508 EX+(11-10)
�; pennsylvania SCHEDULE E
DEPARTMENT OF REVENUE CAS H B
INHERITANCETAXRETURN , ANK DEPOSITS AND MISC.
RESIDENT DECEDENT PE RSONAL PROP E RTY
FILE NUMBER
ESTATE OF Detwiler, Marion Rebecca 21 - 14-Op481
Include the proceeds of litigation and the date the proceeds were received by the estate.All property jointly-owned with the right of
survivorship must be disclosed on schedule F.
ITEM VALUE AT DATE OF
NUMBER DESCRIPTION DEATH
1 Prudential Investment Acct. No. 0006891 15,738.94
2 Members 1st Federal Credit Union -Acct. No. �ocx693 787.02
3 State Farm Mutual Insurance Co. -Auto Insurance Refund 328.39
4 State Farm Mutual Insurance Co. -Homeowners insurance Refund 226.98
5 2003 Kia Optima-Valued at Sale Price 2,300.00
6 M &T Bank-Acct. No. 1080318-One-half interest with Debra L. Tolan-Valued at$15,269.56 7,634.78
x.50= $7,634.78
TOTAL(Also enter on Line 5,Recapitulation) 27,016.11
REV-1510 EX+(08.09)
pennsylvania
DEPARTMENT OF REVENUE SCHEDULE G
INHERITANCE TAX RETURN INTER-VIVOS TRANSFERS &
RESIDENT DECEDENT MISC. NON-PROBATE PROPERTY
ESTATE OF Detwiler, Marion Rebecca FILE NUMBER
21 - 14-00481
This schedule must be completed and filed if the answer to any of questions 1 through 4 on page 2 is yes.
ITEM DESCRIPTION OF PROPERTY DATE OF DEATH %OF EXCLUSION
NUMBER Include the name of the transferee,their relationship to decedent VALUE OF ASSET DECD'S TAXABLE VALUE
and the date of transfer. Attach a copy of the deed for real estate. INTEREST (IF APPLICABLE)
1 Prudential IRA-Acct. No. 024269 23,514.30 100% 0.00 23,514.30
TOTAL(Also enter on line 7, Recapitulation) 23,514.30
REV-1511 EX+(10-09)
5 g� pennsylvania SCHECILLEH
DEPARTMENT OF REVENUE FLNE40L OGIM M AM
INHERITANCE TAX RETURN L�IrN wry��pTW
RESIDENT DECEDENT /1
ESTATE OF Detwiler, Marion Rebecca FILE NUMBER21 - 14 -00481
Decedent's debts must be reported on Schedule I.
ITEM
NUMBER FUNERAL EXPENSES: DESCRIPTION AMOUNT
A. 1 Ewing Brothers Funeral Home, Inc. 6,978.94
2 Cumberland Valley Memorial Gardens 2,180.00
3 George's Pizza-Food for Post-Service Reception 110.00
4 Days Inn Carlisle-Room for Service 158.60
B. ADMINISTRATIVE COSTS:
1. Personal Representative's Commissions
Name of Personal Representative(s)
Street Address
City State Zip
Year(s)Commission Paid
2. Attorney's Fees Turo Robinson Attorneys at Law 6,526.52
3. Family Exemption: (If decedent's address is not the same as claimant's,attach explanation)
Claimant
Street Address
City State Zip
Relationship of Claimant to Decedent
4. Probate Fees Register of Wills 403.50
The Sentinel-Legal Notice 211.78
Cumberland Law Journal-Legal Notice 75.00
5. Accountant's Fees
6. Tax Return Preparer's Fees
7. Other Administrative Costs
1 PA Realty Transfer Tax on sale of 1932 Spring Street paid to Recorder of Deeds(see 848.00
attached HUD-1 Settlement Statement)
TOTAL(Also enter on line 9, Recapitulation) 17,492.34
;- pennsylvania SCHEDULE 1
DEPARTMENT OFDEBTS OF DECEDENT
INHERITANCE TAXAX RETURN
, MORTGAGE
RESIDENT DECEDENT LIABILITIES & LIENS
NNUMBER
BER
ESTATE OF Detwiler, Marion Rebecca FILE
- N - BER
00481
Report debts incurred by the decedent prior to death that remained unpaid at the date of death, including unreimbursed medical expenses.
ITEM DESCRIPTION AMOUNT
NUMBER
1 Cumberland Goodwill Fire Rescue EMS 88.93
2 Advanced Disposal 41.97
3 PPL Electric Utilities 413.07
4 Comcast 463.43
5 North Middleton Township Authority 166.14
6 Shipley Energy 1,010.26
7 Melanie Strickland, Tax Collector-2014-15 School Taxes net of reimbursement at time of sale 298.03
($1,431.35-$1,133.32)
TOTAL(Also enter on Line 10,Recapitulation) 2,481.83
REV-1513 EX+(01-10)
pennsylvania SCHEDULE J
DEPARTMENT OF REVENUE
INHERITANCE TAX RETURN BENEFICIARIES
RESIDENT DECEDENT
ESTATE OF FILE NUMBER
Detwiler, Marion Rebecca 21 - 14-00481
RELATIONSHIP TO SHARE OF ESTATE AMOUNT OF ESTATE
NUMBER NAME AND ADDRESS OF PERSON(S) DECEDENT (Words) ($$$)
RECEIVING PROPERTY Do Not List Trustee(s)
ITAXABLE DISTRIBUTIONS[include outright spousal
distributions,and transfers
under Sec.9116(a)(1.2)]
1 Debra Lee Tolan Daughter One-Half Estate 56,113.13
209 Chestnut Street
Mt. Holly Springs, PA 17065
2 Charles Anthony Winn Son One-Half Estate 56,113.13
106 Cold Springs Road
Carlisle, PA 17015
Enter dollar amounts for distributions shown above on lines 15 through 18 on Rev 1500 cover sheet,as appropriate.
II. NON-TAXABLE DISTRIBUTIONS:
A.SPOUSAL DISTRIBUTIONS UNDER SECTION 9113 FOR WHICH AN ELECTION TO TAX IS NOT TAKEN
B.CHARITABLE AND GOVERNMENTAL DISTRIBUTIONS
TOTAL OF PART 11-ENTER TOTAL NON-TAXABLE DISTRIBUTIONS ON LINE 13 OF REV-1500 COVER SHEET 0.00
OMB Approval No.2502-0265
J. A. Settlement Statement (HUD-1)
B.Type of Loan
1.0 FHA 2.0 RHS 3.9 Conv.Unins 6.File Number: 7.Loan Number: 8.Mortgage Insurance Case Number:
4.11 VA, 5.0 Conv.Ins CTIC-18036 6800782511
C.Note:This form is furnished to give you a statement of actual settlement costs.Amounts paid to and by the settlement agent are shown. Items marked
"(p.o.c.)"were paid outside the closing;they are shown here for informational purposes and are not included in the totals.
D.Name&Address of Borrower: E.Name&Address of Seiler: F.Name&Address of Lender:
Skylor Stitt Debra Lee Tolan, Executrix Members 1st FCU
1932 Spring Road Estate of Marion R. Detwiler 5000 Louise Drive
Carlisle, PA 17013 209 Chestnut Street Mechanicsburg, PA 17055
Mount Holly Springs, PA 17065
G.Property Location: H.Settlement Agent: TIN: 45-4549045
1932 Spring Road Turo Robinson Attorneys at Law
Carlisle, PA 17013 129 South Pitt Street Phone: (717) 245-9688
Carlisle, PA 17013
Parcel No.: 29-16-1094-187 Place of Settlement: I.Settlement Date: 9/15/2014
129 South Pitt Street
Carlisle, PA 17013 Funding Date: 9/15/2014
J.Summary of Borrower's Transaction K.Summary of Seller's Transaction
100.Gross Amount Due From Borrower 400.Gross Amount Due To Seller
101.Contract sales price 84,800-00 401.Contract sales price 84,800.00
102.Personal property 402.Personal property
103.Settlement charges to borrower(line 1400) 4,564.29 403.
104. 404.
105. 405.
Adjustments for items paid by seller in advance Adjustments for items paid by seller in advance
106.City/town taxes: 9/15/2014-12/31/2014 108.32 406.City/town taxes: 9/15/2014-12/31/2014 108.32
to Melanie Strickland, T. C. to Melanie Strickland, T. C.
107.County taxes: 407.County taxes:
to to
108.Assessments: 408.Assessments:
to to
109. 409.
110. School Tax 9/15/2014-6/30/2015 1,133.32 410. School Tax 9/15/2014-6/30/2015 1,133.32
ill. 411.
112. 412.
120.Gross Amount Due From Borrower 90,605-93 420.Gross Amount Due To Seller 86,041.64
200.Amounts Paid By Or In Behalf Of Borrower 500.Reductions In Amount Due To Seller
201.Deposit or earnest money 501.Excess deposit(see instructions)
202. Principal amount of new loan(s) 44,800.00 502.Settlement charges to seller(line 1400) 4,664.00
203.Existing loan(s)taken subject to 503.Existing loan(s)taken subject to
204.Credit for Appraisal Fee 425.00 504.Payoff of first mortgage loan
from Members lst F.C.U.
205. 505. Payoff of second mortgage loan
206. Estate Gift of Equity 40,000.00 506.Estate Gift of Equity 40,000.00
207. Seller's Assistance 4,800.00 507.Seller's Assistance 4,800.00
208. 508.
209. 509.
Adjustments for items unpaid by seller Adjustments for items unpaid by seller
210.City/town taxes: 510.City/town taxes:
to to
211.County taxes: 511.County taxes:
to to
,212.Assessments: 512.Assessments:
I to to
1213. 513.
1214. 514.
1215. 515.
216. 516.
1217, 517.
1218. 518.
219. 519.
220.Total Paid By/For Borrower 90,025.00 620.Total Reduction Amount Due Seller 49,464.00
300.Cash At Settlement From/To Borrower 600.Cash At Settlement To/From Seller
301.Gross Amount due from borrower(line 120) 90,605.93 601.Gross amount due to seller(line 420) 86,041.641
302.Less amounts paid by/for borrower(line 220) 90,025-00 602.Less reductions in amount due seller(line 520) 49,464.00
303.Cash N From 0 To Borrower I 580.93603.Gash OTo E]From Seiler 36,577.64
The Public Reporting Burden for this collection of information is estimated at 35 minutes per response for collecting, reviewing, and reporting the data.This
agency may not collect this information, and you are not required to complete this form, unless it displays a currently valid OMB control number. No
confidentiality is assured;this disclosure is mandatory.This is designed to provide the parties to a RESPA covered transaction with information during the
settlement process.
02009-2010 Easy Soft. Previous editions are obsolete Page 1 of 3 HUD-1
L.Settlement Charges File Number:CTIC-18036 Loan Number: 6800782511
700.Total Real Estate Broker Fees Paid From Paid From
. Division of Commission(line 700)as follows: Borrower's Seller's
701. $ to Funds at Funds at
702. $ to Settlement Settlement
703.Commission paid at settlement
704.
800.Items Payable In Connection With Loan
801.Our origination charge to Members lst F.C.U. $595.00 (from GFE#1)
802.Your credit or charge(points)for the specific interest rate chosen $ (from GFE#2)
803.Your adjusted origination charges Members lst FCU (from GFE A) 595.00
804.Appraisal fee to Members lst Federal Credit Union (from GFE#3) 425.00
805.Credit report to (from GFE#3)
806.Tax service to (from GFE#3)
807.Flood certification (from GFE#3)
808.
809.
810.
811.
900.Items Required By Lender To Be Paid In Advance
901.Daily interest charges from 9/15/2014 to 10/1/2014 @ $5.063/day (from GFE#10) 81.01
902.Mortgage insurance premium for 0 months to (from GFE#3)
903.Homeowners insurance for 1 years to State Farm (from GFE#11) 725.00
904,
905.
1000.Reserves Deposited With Lender
1001.Initial deposit for your escrow account from GFE#9) 630.53
1002.Homeowner's insurance 3 months @ 60.42 per mo $181.26
1003.Mortgage insurance months @ per mc, $
1004,Property taxes 8 months@ 30.51 per mo $244.08
1005.School Taxes 4 months @ 119.28 per mo $477.12
1006, months @ per mo $ 7-
1007.Aggregate Adjustment $-271.93
1100.Title Charges
1101.Title services and lender's title insurance Conestoga Title Insurance Co. (from GFE#4) 750.00
1102.Settlement or closing fee Turo Robinson Attorneys at Law $325.00
1103.Owners title insurance Conestoga Title Insurance Co. (from GFE#5) 303.75
1104.Lenders title insurance
1105.Lender's title policy limit $44,800.00
1106.Owner's title policy limit $84,800.00
1107.Agent's portion of the total insurance premium $500.00
1108.Underwriter's portion of the total insurance premium $553.75
1109.
1110.
1111.
1200.Government Recording and Transfer Charges
1201.Government recording charges from GFE#7) 186.00
1202.Deed$79.00 Mortgage$107.00 Release$
1203.Transfer taxes from GFE#8) 848.00
1204.City/County tax/stamps:Deed$848.00 Mortgage$ 848.00
1205.State tax/stamps:Deed$ Mortgage$
1206. $
1207. $
1300.Additional Settlement Charges
1301.Required services that you can shop for (from GFE#6) 20.00
1302.Overnight Courier Fee to Ron Turo, Esquire $20.00
1303.Escrow for Inheritance Tax to Turo Robinson IOLTA Acct 3,816.00
1304.
1305.
1306.
1307.
1308.
1400.Total Settlement Charges(enter on lines 103,Section J and 602,Section K) 4,564.29 4,664.00
1 have carefully reviewed the HUD-1 Settlement Statement and to the best of my knowledge and belief, it is a true and accurate statement of all receipts and
disbursements made o "
my ac nt or by me in this transaction. I further certify that I have received a copy of the HUD-1 Settlement Statement.
�
Skylor Stitt Buyer/Borrower Debra Lee Tolan, Executrix Seller
Buyer/Borrower Estate of Marion R. Detwiler Seller
The HUD-1 Settlement Statement which I have prepared is a true and accurate account of this transaction. I have caused or will cause the funds to be
disbur.pd in accordance wTht)s stat ,ent.
;W 9/15/2014
TJr Robinson At rn'eys at Law Settlement Agent Date
WAR ING:It is a crime to nowinglmake false statements to the United States on this or any other similar form. Penalties upon conviction can include a fine or imprisonment
y
2669-261-0 Easy Soft! Previous editions are obsolete Page 2 of 3 HUD-11
Charges That Cannot Increase HUD-1 Line Number
Our origination charge #801 595.00 595.00
1 Your credit or charge(points)for the specific rate chosen #802 0.00 0.00
Your adjusted origination charges #803 595.00 595.00
Transfer taxes #1203 848.00 848.00
Government recording charges #1201 238.00 186.00
Appraisal fee #8704 77 425.00 425.00
663.00 611.0
Initial deposit for your escrow account #1001 433.34 630.53
Daily interest charges #901 $5.06/day 25.32 81.01
Homeowner's insurance #903 600.00 725.00
Title services and lender's title insurance #1101 1,268.75 750.00
Owner's title insurance #1103 200.00 303.75
Overnight Courier Fee #1302 0.00 20.00
Loan Terms
Your initial loan amount is $44,800.00
Your loan term is 30 Years
Your initial interest rate is 4.125%
Your initial monthly amount owed for principal,interest,and $217.13 includes
any mortgage insurance is 0 Principal
0 Interest
0 Mortgage Insurance
Can your interest rate rise? 59 No.0 Yes,it can rise to a maximum of %.The first change will be
on and can change again every after
.Every change date,your interest rate can increase or decrease
by %.Over the life of the loan,your interest rate is guaranteed to never be
lower than %or higher than %.
Even if you make payments on time,can your loan balance rise? 9 No. 0 Yes,it can rise to a maximum of$
Even if you make payments on time,can your monthly IHI No.0 Yes,the first increase can be on and the monthly amount
amount owed for principal,interest,and mortgage insurance rise? owed can rise to$ .
The maximum it can ever rise to is$
Does your loan have a prepayment penalty? 0 No. 0 Yes,your maximum prepayment penalty is$
Does your loan have a balloon payment? ED No.0 Yes,you have a balloon payment of$ due in
years on ,
Total monthly amount owed including escrow account payments 0 You do not have a monthly escrow payment for items,such as property
taxes and homeowner's insurance.You must pay these items directly yourself.
EI You have an additional monthly escrow payment of$210.21
that results in a total initial monthly amount owed of$427.34.This includes
principal,interest,any mortgage insurance and any items checked below:
0 Property taxes N Homeowner's insurance
0 Flood insurance E3
E3
Note:If you have any questions about the Settlement Charges and Loan Terms listed on this form,please contact your lender.
0 2009-2010 Easy Soft. Previous editions are obsolete Page 3 of 3 HUD-11
Misc Title Charges Added:(Included:in line 1101)
Borrower(s): Skylor Stitt File#: CTIC-1 8036
Settlement Date: 9/15/2014
Seller(s): Debra Lee Tolan, Executrix
Estate of Marion R. Detwiler
Property 1932 Spring Road
Address: Carlisle, PA 17013
Description Amount
I Lenders Endorsements 100,300,ALTA 8.1 to CTIC 150.00
2 Closing Protection Letter to Conestoga Title Insurance Co,. 75.00
3 Commitment Fee to Conestoga Title Insurance Co. 25.00
4 Title Search to Tri-County Abstract Service 165.00
5 Tax Certification Fee to Melanie A.Strickland,TC 10.00
Total: 425.00
Easy HUD 3.0 File#CTiC-18036