Appraisal Fee, Credit Report Fee, Lender Fees, Title/Escrow Fees for a 20% down purchase scenario. Refinance costs have lower title/escrow fees. Fees used for the APR calculation are $1349.00 + estimated mortgage insurance. Fo
r loans above or below $200,000.00, add or subtract approximately $1.75 per $1000 borrowed to the estimated closing costs.