For a straightforward refinance, figure roughly $2,000 to $4,000 in true costs, with about $3,000 as the middle of the range, before any state transfer taxes. Costs depend mostly on your loan size, your loan-to-value, and your credit score. Loan size nudges title and escrow fees up a little, far less than people expect. The big swing factors are whether an appraisal is required and where you land on credit and equity: a low-LTV, high-credit borrower can often do a true no-cost refinance (accepting a slightly higher rate that generates a lender credit to cover the fees) far more easily than a higher-LTV, lower-score one. Some states also add recording or transfer taxes that stack on meaningfully, so confirm what applies where you live. The single biggest thing to watch: a Loan Estimate usually lumps prepaid escrows (your tax and insurance impounds) in with closing costs, which makes the total look far larger than what you are actually paying for the loan. Those impounds are your own money moving into your own account. To sanity-check a quote, shop at least two lenders, compare the whole fee package rather than only the lender's own charges, and get one broker quote as a reference point, since broker relationships can often pull title and escrow lower. Big call-center lenders frequently price worse than a broker, so use one as your benchmark. We are happy to break your estimate down line by line on the free Roadmap call.