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In general, you should expect to pay for expenses directly related to processing and approving your application, and funding your loan. Certain items, such as the title insurance are standard, county charges according to the loan amount. The amount of taxes and insurance paid at closing can be based on the month the closing takes place. Other fees vary according to lender/broker institution and available programs.
A Good Faith Estimate is prepared to show the borrower a breakdown of the loan profile, including closing costs, with or without points, rate, term and monthly payment.