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>>101,300 - 94,150 = 7,150 unaccounted for.

There must be more to this story then we have been told.
<<

Agreed. There could be good explanations for the "unaccounted for." The settlement statement should show where that $7,150 went.

Depending on your timing of the refi, for example, you may have to pay a year's property taxes and/or property insurance at closing. No doubt there can be other things as well.

#29
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