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I wonder if you might be confused about what is on the statements you're reading.

To see if anything is being added to your loan, you only need to look at two numbers. The payoff amount of the old loan, and the amount of the new loan.

You'll need to inquire about what is included in that payoff amount. It certainly includes the outstanding loan balance. It may also include a partial month's interest and various payoff fees. You want to keep those in mind when comparing the payoff to the new loan.

Just because something is listed on the settlement statement does not mean it it being added to the new loan.

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