Thanks for your response. The differences are in:
1) Broker/Discount Fee; I questioned this number at closing but the closing agency assured me it was correct and even gave an explanation for it; they subtracted a number that they shouldn't have
2) Payoff of Old Loan; between the time of the requested payoff statement and closing, my old mortgage company went ahead and prepaid my hazard insurance for the next year (a month early and to my old insurer), causing a shortage in payoff funds. The shortage was caused by an almost doubling of rates, due to all the mold claims in Texas. I had changed insurance companies at closing for this very reason.
3) New mortgage company's requirement to prepay 7 months of real estate taxes.
I'm not questioning whether or not I owe any of these since it appears I do, and I have gone ahead and paid them. However, the closing agency that prepared the HUD-1 and closing documents, materially erred and in so doing, caused me harm. If I had known these out-of-pockets amounts were required, at the time of closing, I would not have closed. After the hook was set at closing, though, it seems I have had no choice. I also have reason to believe that there are more errors and cash demands to come. This was originally sold to me as a low-closing-cost refinance. It ended up costing over $12,000 to refinance a $172,000 loan and over $5,400 out-of-pocket (so far).
