Appraisal Fee, Credit Report Fee, Lender Fees, Title/Escrow Fees included in closing cost estimate. Fees used for the APR calculation are $2329.00. For loans above or below $200,000.00, add or subtract approximately $1.75 per $1000 borrowed to the estimated closing costs. Posted rate assumes there is no additional/subordinate financing (i.e. home equity line or fixed rate 2nd). Rates adjusts up if there is subordinate financing.