In this subtitle the following words have the meanings indicated. “Eligible homebuyer” means an individual who meets the qualifications under § 4-305 of this subtitle. “Fund” means the Homeownership Programs Fund. “Homebuyer education” means instruction in preparing for homeownership, shopping for a home, getting a mortgage loan, loan closing, and life as a homeowner. “Homebuyer education” includes housing counseling. “Program” means the Down Payment and Settlement Expense Loan Program. “Program loan” means a loan that the Department makes under this subtitle. “Settlement expenses” means money that must be paid at the time of the purchase of real estate. “Settlement expenses” includes: fees and premiums for title examination, title insurance, and similar expenses; fees for preparing deeds, settlement statements, and other documents; payments owed at settlement for property taxes and hazard insurance coverage; escrows for future payments of taxes and hazard insurance; fees for notarizing deeds and other documents; appraisal fees; fees for credit reports; transfer and recordation taxes and fees; fees and premiums for mortgage insurance; and loan discount points and origination fees.