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What guidance did you give about closing costs? If it was "roll them into the loan," that anwers the question as to why they're being rolled into the loan.

I don't recall giving any guidance but perhaps I did. If I was asked, I wouldn't have thought of property takes and HO insurance as part of the closing costs.

How are my taxes and insurance being paid if those payments are being added to the loan balance rather than the escrow account? Does the lender put them back into the escrow account for me?
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