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-…