There is not much to add to JGo9’s excellent answer. There is a discussion in the December 2010 RESPA Roundup that indirectly supports JGo9’s answer. “If a loan originator knows at the time of application that the loan originator will use an existing appraisal or survey that was paid for in a prior transaction, the loan originator must list the appraisal or survey in Block 3 and disclose $0.00 as the charge for that service.”