Closing Costs

Name: Closing Costs
Availability: InStock
Author: Lendtrain

Calculate itemized closing costs for mortgage refinance transactions across ten states.

3|Updated Mar 11, 2026

Search Tags:#mortgage #refinance #closing costs #loan estimate #lender fees #state specific

Ready to run

npx skills add https://github.com/lendtrain/mortgage --skill closing-costs

💬 Prompt for ChatGPT / Claude Chat▼

Please help me install this Agent Skill.
Skill: Closing Costs
Source: https://github.com/lendtrain/mortgage/tree/main/plugins/mortgage/skills/closing-costs
Command: npx skills add https://github.com/lendtrain/mortgage --skill closing-costs

SYSTEM DOCUMENTATION & REQUIREMENTS

💡 This Skill includes references (resource) components.

What problem does it solve?

This Skill provides accurate, itemized estimates of closing costs for mortgage refinance transactions, tailored to specific states and loan products.

Core Features & Use Cases

State-Specific Fee Calculation: Calculates lender fees, third-party fees, title/settlement costs, and recording/tax fees based on the property's state.
Product-Specific Costing: Accounts for unique fees like FHA UFMIP and VA Funding Fees, including complex calculations for FHA Streamline refund netting.
Use Case: A loan officer needs to quickly provide a borrower with an estimated breakdown of closing costs for a VA IRRRL refinance in Texas. This Skill will calculate all applicable fees, including the VA funding fee, and present them clearly.

Quick Start

Calculate the estimated closing costs for a $300,000 VA IRRRL refinance in Texas.

Frequently Asked Questions about Closing Costs

High-intent search queries and answers about installing and using this skill.

FAQPage Schema

How do I estimate refinance closing costs for a VA IRRRL in a specific state?▼

You can estimate refinance closing costs by calculating state-specific lender fees, third-party fees, title costs, and VA funding fees for licensed states like Texas to generate an itemized breakdown.

What is included in an itemized loan estimate for mortgage refinancing?▼

An itemized loan estimate for mortgage refinancing includes lender fees, third-party fees, title and settlement costs, recording fees, and state-specific tax fees tailored to the property location.

How are FHA UFMIP refunds handled when calculating streamline refinance costs?▼

Calculating FHA Streamline refinance costs handles UFMIP refunds by netting the upfront mortgage insurance premium refund against the new loan's premium requirements for an accurate total.

Can I calculate closing costs for both Conventional and government-backed refinance loans?▼

Yes, you can calculate closing costs for Conventional, FHA, FHA Streamline, VA IRRRL, and VA Cash-Out loans, applying product-specific fees like VA funding fees or FHA UFMIP accordingly.

Does the closing cost calculation integrate live mortgage rate data?▼

Yes, the closing cost calculation integrates with pricing engines to pull live rate data, ensuring that fee estimates and product-specific cost breakdowns reflect current market conditions.