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Downpayment: The difference between the purchase price of real estate and the loan amount. The borrower is responsible for providing the funds for the downpayment. Employee: An Appointee who has actively begun to serve in his or her full-time position.
Equity: The difference between the fair market value of a property and the current indebtedness secured on the property. Escrow: A situation in which a third party, acting as the agent for the buyer and the seller, carries out the instructions of both and assumes the responsibilities of handling all the paperwork and disbursement of funds at settlement or at closing.
Escrow Holdback : Funds retained by the escrow company after the close of escrow until repairs andor required termite work has been completed. Evidence of Insurance : Written documentation from a hazard insurance company that a homeowners policy is in existence on a property. Typically, this is NOT an insurance policy, but a commitment from the insurance company to provide a policy for a maximum personal loan amount property at a specific time and premium amount.
Faculty Recruitment Allowance Program: A University of California program authorizing the granting of special housing allowances to assist with down payments, mortgage payments, and other housing related costs.
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