Loan application shall be made on forms and in a manner prescribed by the Department and shall be submitted to the offices of the Program. The loan application shall include without limitation: A plan which shall be approved by the Department before the loan closing; A rejection letter from a bank or other private lending institution stating the terms and amounts applied for and the reason for rejection, or a letter of commitment from a bank or private lending institution for funding insufficient to finance the total cost of the improvements; An application fee in an amount to be determined by the Department; An appraisal of the migratory labor camp property pursuant to Regulation .06O of this chapter; and Sufficient information and documentation to determine the extent, if any, to which the plan or improvements will change the type of use or increase the intensity of the existing use of the migratory labor camp property. Applicants shall submit any additional documentation required by the Department in order to establish the eligibility and creditworthiness of the applicant. The Department shall issue a letter of commitment to an applicant to evidence the approval of a loan. The Department may not take action on a loan after issuance of a commitment letter until the applicant accepts the terms and conditions of the commitment letter by executing and returning a copy of the letter. The Department shall issue a letter of rejection to an applicant to evidence disapproval of a loan. The rejection letter shall state the reasons for disapproval and shall advise the applicant of his appeal rights. An applicant may withdraw a loan application at any time before loan closing by written notice to the Program. The applicant shall bear any costs incurred for items other than the Program's internal processing, including but not limited to title examination, credit reports, and appraisals. The loan closing shall be scheduled at a time acceptable to the applicant and the Department through an attorney selected by the applicant and approved by the Department. All taxes and assessments against the migratory labor camp property which are due and payable shall be paid at or before the loan closing.