In Closing Disclosure, the appraisal cost is shown as which item?

• A. POC
• B. Prepaid Interest
• C. Lender Fees
• D. Title Insurance

Answer: (A)

The item labeling on the Closing Disclosure uses POC to indicate costs that were paid outside the closing. The appraisal is a third‑party service that is typically ordered and paid before the actual closing date so the appraisal can be completed in time. Because this fee is not paid at the closing itself, it’s shown as Paid Outside Closing (POC) on the Closing Disclosure.

Prepaid Interest is the interest due before the first mortgage payment, which is a different concept. Lender Fees are charges by the lender for processing and funding the loan, and Title Insurance covers the title policy. These don’t reflect the outside‑closing payment status like the appraisal fee does.