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What is Section H on a Loan Estimate?
Updated November 2026 · Every dollar figure is an illustrative example, not a quoteSection H, Other, holds the costs you pay at closing that the lender does not require: the owner's title policy, which the form marks optional, a home inspection or home warranty, HOA transfer fees, and a real estate agent's fee when you are the one paying it. Because the lender does not require any of it, none of it has a tolerance limit; what appears is what you agreed to with other people.
Where it is on the form
Page 2, right-hand column, under Other Costs, below Section G. The model form shows one line, Title – Owner's Title Policy (optional); lenders add lines as they learn of other costs. The section's total is printed at its head and feeds Section I.
On a plain purchase with the seller paying agent fees, H is often just the owner's title policy, several hundred to a few thousand dollars by state. Add a buyer-paid agent's fee and it can be 2% to 3% of the price. On a refinance H is often empty.
The lines in H. Other
| Line on the form | Paid to | Illustrative range |
|---|---|---|
| Title – Owner's Title Policy (optional) | The title insurance underwriter, through the title company | Varies by state; often $800–$2,500 on a $400,000–$500,000 home, less at the simultaneous-issue rate |
| HOA Fees | The homeowners' or condominium association, or its management company | Commonly $100–$500 for transfer and status fees; capital contributions often one to three months of dues |
| Home Inspection Fee | A home inspector you choose, usually paid directly at the inspection | Often $300–$600; more for large homes and add-on tests |
| Real Estate Brokerage Fee | The real estate brokerage, through the settlement agent | Where the buyer pays: commonly 2%–3% of the price, or a flat fee; negotiable |
H is the section where the Loan Estimate is least complete, because the lender only knows what you and the title company have told it. A home warranty you bought, a buyer's agent fee you agreed to, the association's transfer fee: each lands here when someone tells the lender. Keep the lender informed so the cash to close on page 1 is real and you are not short at the table.
The one line you should expect to see on every purchase is the owner's title policy, and the word optional beside it is printed by rule, not as advice. Owner's title insurance explains what it does and why most buyers take it.
Can you shop for it?
Everything here is your choice of provider or your agreement with a third party, so yes. The owner's policy comes from the title company you chose; the inspector, the warranty company and the agent's fee are all yours to pick or decline.
Can it change between the Loan Estimate and closing?
No tolerance limit. Costs for services the lender does not require are outside the tolerance rules. A new line appearing on the Closing Disclosure, such as an HOA fee the title company only just learned of, is normal here and not a violation.
Questions to ask the lender
- What costs do you know about that are not yet in Section H?
- Which of these is mine under the purchase contract, and which is the seller's?
- If I decline the owner's policy, what exactly am I giving up?
Red flags
- A thin Section H on the Loan Estimate that fills up on the Closing Disclosure, leaving you short on cash at the table.
- A home warranty or other add-on you did not ask for, sold through the agent or title company.
- A lender that calls the owner's policy required.
Questions people ask
Can Section H change at closing?
Yes, without limit. Nothing in it is required by the lender, so the tolerance rules do not apply. New lines appearing on the Closing Disclosure are normal here, which is why it pays to tell the lender about every cost you know of early.
Why is my real estate agent's fee in Section H?
Because you agreed to pay your agent and the lender knows it. If the seller pays it under the contract, it should come off your estimate and a seller credit should cover it.
Is Section H part of closing costs?
Yes. It is the last part of Section I, Total Other Costs, which with Section D makes Section J, Total Closing Costs. It is not a cost of the loan, so leave it out when comparing lenders.
Only have one quote? That's the problem.
Tell us the rate and the fees you were quoted. It is free, there is no credit pull, and nobody calls you. We check whether another lender beats it, fees included. Or start with the free Loan Estimate checker, which reads your rate, points and Section A and flags anything out of the ordinary.
Check my quoteEvery dollar figure on this page is illustrative. Fee ranges are general observations, not a survey or a quote, and are not a loan offer, approval, commitment to lend, or Loan Estimate. Your actual rates and fees depend on qualification with lenders, your state and county, and your closing date. The tolerance rules described are the federal TRID rules in general terms; the rule itself and your own Loan Estimate and Closing Disclosure decide how it applies to your loan. comparemyloan does not negotiate with lenders, lock rates, or take loan applications.