![]() Our methodology motivates children in an atmosphere of imagination and play. Our Starfall Kindergarten Math, English Language Arts, and Pre-K curricula are all available for purchase in the Starfall Store ™, and as downloads in our Parent-Teacher Center ™. Our new Starfall Parent-Teacher Center ™ is available free for everyone and includes supplemental custom worksheets, curriculum downloads, informative guides, all the latest Starfall news and much more for our grownup audience. Your child will have fun learning essential reading and math skills through exploration! Your membership fee ensures that we can continue to provide Classic Starfall free of charge and offer low-cost, high-quality, educational resources to classrooms. Our low-cost membership program expands the free content you already enjoy to include delightfully animated songs, mathematics, and reading activities spanning pre-k to 2nd grade. Starfall is an educational alternative to other entertainment choices for children. Our systematic approach, in conjunction with audiovisual interactivity, is perfect for preschool, kindergarten, first grade, second grade, special education, homeschool, and English language development (ELD, ELL, ESL). ![]() Starfall has been teaching children to read with phonics for well over a decade. On July 1, 2015, the Polis-Schutz family donated their full interest in Starfall to the Starfall Education Foundation. The website opened in September of 2002 as a free public service and social enterprise supported by the Polis-Schutz family. This fee is due at closing and is typically financed into the entire loan amount to reduce out of pocket costs.The Starfall Website is a program service of Starfall Education Foundation, a publicly supported nonprofit organization, 501(c)(3). Upfront MIP: The Upfront MIP, sometimes referred to as the FHA funding fee, is 1.75% of the loan amount. The Annual MIP can last for the life of the loan, or be removed after 11 years if the original down payment is 10% or more. However, for most FHA borrowers, the Annual MIP is 0.85% of the loan amount. The USDA Funding fee is paid at closing and typically financed into the loan.Īmount Financed: Purchase Price (-) Down Payment (+) USDA Funding FeeĪnnual MIP: The Annual MIP ranges from 0.45% to 1.05% depending on loan term, loan amount and down payment. USDA Funding Fee: The USDA Funding Fee is paid to the USDA to help fund the program. The USDA Annual Fee is lumped into your monthly payment and is paid for the life of the loan. This fee is paid at closing and borrowers typically choose to finance it into the loan. Your loan specialist can help you determine property tax and insurance rates in your area.Īnnual Fee: The USDA Annual Fee is 0.35% of the loan amount and is paid to the USDA to compensate mortgage lenders should a mortgage go into default. Annual homeowners insurance is roughly 0.35% of the home's value but can change based on insurer. ![]() ![]() The VA Funding Fee is waived for Veterans entitled to VA compensation for a service-connected disability and surviving spouses of Veterans who died in service or as a result of a service-connected disability.Īmount Financed: Purchase Price (-) Down Payment (+) VA Funding FeeĮstimated Taxes & Insurance: Property taxes are generally estimated to be 1.2% of the home's value, but may vary based on your location. This fee can be paid in cash at closing, but most borrowers choose to roll this cost into their monthly payments. VA Funding Fee: The VA Funding Fee is paid to the VA to help fund the program and varies depending on type of service, loan amount, down payment and subsequent VA Loan usage. Your Loan Officer can help you determine property tax and insurance rates in your area. ![]() Estimated Taxes & Insurance: Property taxes are generally estimated to be 1.2% of the home's value, but may vary based on your location. ![]()
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