Section 4-301 - Definitions(a) In this subtitle the following words have the meanings indicated.(b) "Eligible homebuyer" means an individual who meets the qualifications under § 4-305 of this subtitle.(c) "Fund" means the Homeownership Programs Fund.(d)(1) "Homebuyer education" means instruction in preparing for homeownership, shopping for a home, getting a mortgage loan, loan closing, and life as a homeowner.(2) "Homebuyer education" includes housing counseling.(e) "Program" means the Down Payment and Settlement Expense Loan Program.(f) "Program loan" means a loan that the Department makes under this subtitle.(g)(1) "Settlement expenses" means money that must be paid at the time of the purchase of real estate.(2) "Settlement expenses" includes:(i) fees and premiums for title examination, title insurance, and similar expenses;(ii) fees for preparing deeds, settlement statements, and other documents;(iii) payments owed at settlement for property taxes and hazard insurance coverage;(iv) escrows for future payments of taxes and hazard insurance;(v) fees for notarizing deeds and other documents;(vii) fees for credit reports;(viii) transfer and recordation taxes and fees;(ix) fees and premiums for mortgage insurance; and(x) loan discount points and origination fees.