[Calc Review] Help me analyze this deal

[Joseph Nance]

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*This link comes directly from our calculators, based on information input by the member who posted.

This is the first time in a while I am stumped. I used the BRRR calculator and tried all three options my lender is offering me for a refi. 

All 30 year

pre pay 5 years

Option 1 

6.625% Interest

 $4245 closing fee

Total Cash invested - $12563.00

Option 2

6.225% Interest

$7086.60

Total Cash Invested - $9,722.00

Option 3 (Displayed)

6.025% Interest

$9928.20 closing fee

Total Cash invested - $6880.00

Where I am getting stumped is the total amount of cash invested in the deal. If I take option 1, we leave $12563 in the deal

Option 2 we leave $9722 in the deal

Option 3 we leave $6880.00

How is it possible to pay $9928.20 which is taken out of the monies for the refi and actually have less total cash invested in the deal?

Thank you,