So are you trying to get a "no closing cost" refinance?

I didn't request it (that I recall) but don't mind doing it this way, as long as I understand what all the numbers are for.

I decided to postpone the closing until next week. I emailed the loan officer and her supervisor asking for clarification on these items. I'm hoping her supervisor will jump in and clarify things for me.

And to the previous poster who said that property taxes must be due soon, I checked and indeed the payment is due on Feb 1. Hopefully pushing the closing out until Monday (the 28th) won't be cutting things too close.

Wot