Appraisal Fee, Credit Report Fee, Lender Fees, Title/Escrow Fees for a 20% down purchase scenario are covered with this type of refinance/purchase. No closing cost refinance or purchase options assume a $600,000.00 loan, with minimum loan amount for this scenario at $453,101.00. Loans for a "cash-out" refinance transaction may result in a small rate adjustment higher. Fees used for the APR calculation are $1329.00. Posted rate assumes there is no additional/subordinate financing (i.e. home equity line or fixed rate 2nd). Rate will be slightly if there is subordinate financing.