Loan statement copies $2.00 per copy
Returned loan payment $29.00 for all products except FHA loans, whose fee will depend on the state where the loan is originated. FHA returned loan payment fees are as follows: 
$10.00 (AL, PR, VI)
$15.00 (AK, AZ, CA, CO, DC, DE, GA, HI, IA, KS, KY, MD, MO, MS, MT, NC, ND, NE, NM, NV, OR, PA, Pacific Islands, SD, UT, VA, WA, WV, WY)
$20.00 (FL, ID, IL, MI, MN, NJ, NY, OH, SC, TN, WI)
$25.00 (AR, CT, IN, LA, MA, ME, NH, OK, RI, TX, VT)
Late charges Generally 4% of the principal and interest (3% in MA and 2% in NY, by law)
Mortgage origination fee 1.00% of loan amount3
Extended Lock Fee (not available for Refinance Loans)
- 90-day 0.125% of loan amount3
- 120-day  0.25% of loan amount3
Freedom Lock Program fee 0.25% of loan amount3
Home Buyer's Choice Funding fee 0.50% to 1.75% of loan amount
VA funding fee (varies according to down payment)  0.5% to 3.3% of loan amount3
Conventional Mortgage Conversion Fee
- Adjustable Rate Mortgage (ARM) $250.00
- 7-Year Balloon  $250.00
Credit Bureau Report (per borrower) $18.694
Appraisal (varies by location) $350.00 and up3
Lenders Inspection  $8.00 to $100.00
Flood Certification (except FEL/HEL) $7.003 
Tax setup $5.00
Tax Service Charge
- Escrowed loans $45.00 to $205.003
- Non-escrowed loans $25.003
Private Mortgage Insurance - Conventional Varies by loan type
Recording fee (except FEL/HEL) Varies by location3
Changing programs more than once (first change free) $245.00
10-day rate extension fee 0.25% of loan amount
Mortgage modification fee $750.00
Assumption fee Varies by loan type
Payoff release for first mortgage loans Varies by location3

3Fee represents the actual amount charged to Navy Federal by third parties and/or government offices.

4This fee represents the actual amount charged to Navy Federal by third parties and/or government offices. This fee is required to process your application and is charged at the time of application. For Home Equity Line of Credit applications, you may request a refund of this fee within three days of receipt of your application disclosures.


Click here for an example of a mortgage payment based upon a $150,000 loan amount.