{
    "home_price": 400000,
    "loan_amount": 320000,
    "down_payment": 80000,
    "down_payment_pct": 20,
    "rate": 6.5,
    "property_tax_rate": 1.2,
    "annual_insurance": 1200,
    "lender_fees": [
        {
            "name": "Loan Origination (1%)",
            "amount": 3200
        },
        {
            "name": "Underwriting Fee",
            "amount": 400
        },
        {
            "name": "Processing Fee",
            "amount": 300
        },
        {
            "name": "Credit Report",
            "amount": 30
        }
    ],
    "lender_total": 3930,
    "third_party_fees": [
        {
            "name": "Appraisal",
            "amount": 500
        },
        {
            "name": "Title Insurance (0.5%)",
            "amount": 1600
        },
        {
            "name": "Title Search",
            "amount": 200
        },
        {
            "name": "Survey",
            "amount": 400
        },
        {
            "name": "Attorney Fee",
            "amount": 750
        }
    ],
    "third_party_total": 3450,
    "prepaids": [
        {
            "name": "Homeowner's Insurance (1 year)",
            "amount": 1200
        },
        {
            "name": "Property Tax (3 months)",
            "amount": 1200
        },
        {
            "name": "Prepaid Interest (15 days)",
            "amount": 854.79
        }
    ],
    "prepaid_total": 3254.79,
    "escrow": [
        {
            "name": "Property Tax Reserve (2 months)",
            "amount": 800
        },
        {
            "name": "Insurance Reserve (2 months)",
            "amount": 200
        }
    ],
    "escrow_total": 1000,
    "total_closing_costs": 11634.79,
    "closing_costs_pct": 2.91,
    "total_cash_needed": 91634.79
}