refinance 경험이 있으신 분들께 질문드립니다.
아래 적은 것들은 제가 집살때 클로징 항목들인데요, refinance할때 변호사 비용이나 Title Insurance 등 아래 것들중 어떤것들이 들어가나요?

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city/town taxes 431.12
HOA Free 83.57
Deposit
Commitment Fee to Wells fargo 500.00
Tax Service Free 80.00
Flood Cert 19.00
Title Insurance 2,163.00

Recording and Transfer charges 445.00
Recording fee – Deed: 120
Recording fee – Mortgage: 325

Notice of Settlement (2) 120.00
Attorney fee 950.00
post closing expenses to Attorney 40.00
Survey 200.00
Fax, copy to Attorney 220.00

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감사합니다.