They include lender fees, the appraisal, title and settlement services, recording fees and government charges, plus prepaid items such as interest, insurance and the first deposit into an escrow account.
Why it matters
They are a real part of what a home or a refinance costs you, so they belong in your budget from the start. Some can be shopped for, some are set by the lender or the government.
Where you meet it
You first see them on the Loan Estimate and then, final, on the Closing Disclosure. Comparing the two is one of the best checks you can make before closing.
Planning to buy?
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