Time and Place. The loan or grant closing shall be scheduled at a time and place mutually acceptable to the applicant and the local administrator, through a closing officer serving the applicant's area and otherwise acceptable to the local administrator. Loan and Grant Documents. Loan and grant document forms shall be provided by the Program and may not be altered by the local administrator. Loan and grant documents shall be executed on behalf of the Department by the officer or employee authorized to do so by the Department. Charges and Fees. The Department or the local administrator shall charge and collect from the borrower reasonable and customary amounts acceptable to the Department for the following items: Credit reports; Application fees; Appraisal fees, if applicable; Recording fees, taxes, and charges, if applicable; Required survey charges, if applicable; The cost of title examination and title insurance premiums, if required; Loan administrative fees; The cost of property and judgment reports; Inspection fees; and Other reasonable and customary charges or fees authorized by the Department. Points may not be charged to the applicant on any loan under the Program. Taxes and Assessments. Taxes and assessments against the property which are due and payable shall be paid at or before closing.