Appraisal Fee, Points paid (if any), Credit Report Fee, Lender Fees, Title/Escrow Fees for a 20% down purchase scenario, for a loan amount of $600,000.00. Assumes FICO of 760 or higher. Refinance costs have lower title/escrow fees. Fees used for the APR calculation are $1954.00. For loans above or below $600,000.00, add or subtract approximately $1.75 per $1000 borrowed to the estimated closing costs.