cyberneticlibrary

Calculate state-specific closing costs

closing-costsskillsetup L13,035
davepoon/buildwithclaude
What it does

Calculate itemized mortgage refinance closing costs by state

Best for

Presenting accurate fee estimates to borrowers with compliance-required itemization per state

Inputs
  • · loan amount
  • · product type (Conventional/FHA/VA/Streamline)
  • · state
  • · optional FHA/VA parameters
Outputs
  • · itemized fee breakdown by section (A/B/C/E)
  • · state-specific title insurance rate calculation
Requires
  • · mortgage plugin
  • · state fee table data
Preconditions

Licensed state (10 supported); loan product determined

Failure modes
  • · unsupported state (error)
  • · missing FHA/VA disability info (assume taxable fee)
Trust signals
  • · state-specific rate formulas
  • · FHA UFMIP refund netting
  • · VA funding fee disability exemption