---
name: closing-costs-6fcc3309821e
category: business-finance
description: Calculates itemized state-specific closing costs for mortgage refinance transactions across 10 licensed states, with product-specific fees for Conventional, FHA, FHA Streamline, VA IRRRL, and VA Cash-Out.
---

# Closing Costs

Provides itemized estimated closing costs for refinance transactions with state-specific fee schedules, product-specific calculations, and compliance-required disclosures.

## When to Use This Skill

- Calculating closing costs for a refinance quote
- Presenting fee breakdowns to borrowers
- Determining FHA UFMIP refund netting for Streamline refinances
- Calculating VA funding fees with disability exemption handling

## What This Skill Does

1. Calculates Section A (lender fees), Section B (third-party fees), Section C (title/settlement), and Section E (recording/taxes)
2. Applies state-specific title insurance rate formulas for all 10 licensed states
3. Handles FHA UFMIP with refund netting for Streamline refinances
4. Handles VA funding fee with disability exemption detection
5. Presents full itemized breakdown with compliance disclosures

## Supported States

| State | Key Taxes/Fees |
|-------|---------------|
| Georgia (GA) | Intangible tax $3.00/$1,000 |
| Alabama (AL) | Mortgage recordation tax $1.50/$1,000 |
| Florida (FL) | Doc stamp $3.50/$1,000 + intangible $2.00/$1,000 |
| Kentucky (KY) | No transfer tax on refinance |
| North Carolina (NC) | Attorney-closing state, no excise tax on refi |
| Oregon (OR) | No mortgage recording tax |
| South Carolina (SC) | Attorney-closing state |
| Tennessee (TN) | Indebtedness tax $1.15/$1,000 |
| Texas (TX) | No mortgage recording tax |
| Utah (UT) | No mortgage tax |

## Installation

This skill is part of the mortgage plugin. Install via:

```
/plugin marketplace add lendtrain/mortgage
/plugin install mortgage@mortgage
```

Full source: [github.com/lendtrain/mortgage](https://github.com/lendtrain/mortgage)


---
Source attribution: davepoon
Original project: https://github.com/davepoon/buildwithclaude/blob/a1103092fa571c032ae3e706433505ce0d6327bc/plugins/mortgage/skills/closing-costs/SKILL.md
License: MIT
License information: https://opensource.org/license/mit
Original upstream instructions; downloaded from Dave AI.

## Upstream license notice

MIT License

Copyright (c) 2025 davepoon

Permission is hereby granted, free of charge, to any person obtaining a copy
of this software and associated documentation files (the "Software"), to deal
in the Software without restriction, including without limitation the rights
to use, copy, modify, merge, publish, distribute, sublicense, and/or sell
copies of the Software, and to permit persons to whom the Software is
furnished to do so, subject to the following conditions:

The above copyright notice and this permission notice shall be included in all
copies or substantial portions of the Software.

THE SOFTWARE IS PROVIDED "AS IS", WITHOUT WARRANTY OF ANY KIND, EXPRESS OR
IMPLIED, INCLUDING BUT NOT LIMITED TO THE WARRANTIES OF MERCHANTABILITY,
FITNESS FOR A PARTICULAR PURPOSE AND NONINFRINGEMENT. IN NO EVENT SHALL THE
AUTHORS OR COPYRIGHT HOLDERS BE LIABLE FOR ANY CLAIM, DAMAGES OR OTHER
LIABILITY, WHETHER IN AN ACTION OF CONTRACT, TORT OR OTHERWISE, ARISING FROM,
OUT OF OR IN CONNECTION WITH THE SOFTWARE OR THE USE OR OTHER DEALINGS IN THE
SOFTWARE.



# Dave AI resource metadata

Creator / publisher: davepoon
Original project: https://github.com/davepoon/buildwithclaude/blob/a1103092fa571c032ae3e706433505ce0d6327bc/plugins/mortgage/skills/closing-costs/SKILL.md
Attribution basis: Source repository record

Fields of work: Finance & Accounting, Sales
Roles: Accountant, Business Development, CFO / FP&A, Financial Analyst, Sales Operations
Specialties: API
Tools: Lendtrain/Mortgage
Country applicability: United States
Classification basis: Source catalog labels
Instruction SHA-256: 9c2d43432aa7bfb4130679412cd3ac58ebaee90caac5590e4c705d16d666ecd1