Down Payment Most lenders require a down payment of from zero to 20% for a normal home purchase.

Lender's Loan Origination Fee Government regulations allow 1% origination fee on FHA or VA loans. Conventional loan fees can vary from 1 to 3 points or more. A point is 1% of loan.

Appraisal Fee About $300-$500. Non refundable.

Credit Report $50-$60. Non refundable.

Tax Service Fee In some areas a charge of approximately $75 by a tax service company to verify to lender that taxes are actually being paid.

Assumption Fee Fee of approximately $250 up to 1% of loan balance charged by existing lender for permission to assume existing loan.

Pest Inspection Fee A fee of $100 - $175 is charged for inspecting property for wood destroying organisms (termites). Customary for seller to pay.

Optional Fees At buyer's option: property inspections that cover foundation, electrical, plumbing and overall construction at a cost of $300-$400. Roof inspections cost $75-$125. Geological reports about $100. Septic $200-$400. Radon $50-$100. Asbestos $75-$125.

Title Insurance Cost determined by a rate chart and is based on loan amount.

Each order is a fax. If a manufacturer has 5 suppliers each supplying 20 different part numbers and they send a kanban signal once per week, 400 signals per month are being sent or about 20 faxes per day.

Fax Kanban is not Efficient and not Lean At ten minutes per fax, someone is spending 3.5 hours per day in administration time. That inefficiency results in less time to utilize more suppliers or improve relationships with existing suppliers.

Furthermore, even if 99% of those faxes are trouble free procurement signals, four faxes per month are going to be problematic and dilute entire rationale for a lean manufacturing operation. Suppliers claim they did not receive fax kanban; suppliers cannot make shipment date requested and expedited shipping fees are incurred, or worse, there will be a stockout which will negatively impact customer service levels.