Closing costs of a refinance may include:--Origination costs (to the lender)--Fees for title work and closing the loan (to the title company)--Recording fees and taxes on the mortgage (to the state)--Prepaids/Impounds for taxes and insurance (to your escrow account) - Not really a "cost" at the time, but will still be part of the overall settlement. 

HE TOLD ME HE WAS A MILLION ARE HE WILL NEVER GET CAUSGHT I TRACED THE NUMBERS THEY WERE CALLING FROM THEY WERE PRE PAID CELL PHONES THEN THEY HARRASSED ME AFTER THAT THEN I TOOK ACTION .

This means all fees and start up costs (including prepaid interest, home insurance premiums and collections for property taxes and ins. to go into escrow) - and as crazy as it may sound, for VA loans concessions can even be used to pay off the buyers debts to help qualify.

@Paul ChislettI pre-paid for tickets to attend two Summits in Niagara Falls last year.

Good afternoon all,I'm purchasing a multi family at a purchase price of $314,000 with $9k back for closing costs, prepaids, escrow.

Buyers as a Partner: Flip yourself rich. 1.Have Realtor take commission over time. 2.Assume Seller’s obligations. 3.Prepaid rent as part of down payment.4.Satisfaction of Seller’s needs. 5.First, Second, Third, Fourth, etc loans = All Paper. 6.Balloon down pmnt = some now, some x 6 mos, & Bal in 12 mos. 7.Use your talents – not your cash. 8.High monthly down payment. 9.Raise the sale price, but lower the terms. 0.Split the property.

Balance due at closing (not including Buyer's closing cost, prepaid items or prorations) in U.S. cash or locally drawn certified or cashiers check. approximately.____ exactly ____ $________________ D.

(Pre-paid interest)5.

Nor does it affect pre-paid taxes or insurance payments.

Negotiate it, anywhere, except that a borrower must be shown as paying pre-paids on many loans, other than that...whtaever, it usually goes to local custom if not contracted. :)