What loan types are supported?

The skill supports Conventional, FHA, FHA Streamline, VA IRRRL, and VA Cash-Out refinance transactions.

Which states are supported by the closing costs skill?

The skill currently supports Alabama, Florida, Georgia, Kentucky, North Carolina, Oregon, South Carolina, Tennessee, Texas, and Utah with specific fee schedules for each.

Does it handle FHA Streamline refund calculations?

Yes, it automatically calculates FHA Upfront Mortgage Insurance Premium (UFMIP) and handles refund netting for Streamline refinances.

Can this skill calculate VA funding fees?

Yes, it calculates VA funding fees and includes logic to detect and apply exemptions for veterans with service-connected disabilities.

Is this skill compliant with mortgage disclosure requirements?

The skill provides itemized breakdowns for Sections A, B, C, and E (taxes/recording) to assist in generating accurate refinance quotes and supporting compliance workflows.

Mortgage Closing Cost Calculator

Name: Mortgage Closing Cost Calculator
Author: davepoon

bydavepoon

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2,733

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Productivity & Workflow

Calculates state-specific, itemized closing costs for mortgage refinance transactions across ten licensed U.S. states.

This skill automates the complex process of estimating closing costs for mortgage refinances, covering Conventional, FHA, and VA loan products. It applies state-specific fee schedules for taxes, recording fees, and title insurance across ten licensed states including Florida, Texas, and Georgia, while handling intricate calculations like FHA UFMIP refund netting and VA funding fee exemptions for disabled veterans. It serves as an essential tool for loan officers and developers building mortgage automation workflows to ensure accuracy in borrower disclosures and fee transparency.

Key Features

01Itemized breakdowns of Sections A, B, C, and E for mortgage compliance

02Standardized compliance-ready disclosures for refinance quotes

03Automated FHA UFMIP refund netting for FHA Streamline refinances

04VA funding fee calculations with support for disability exemptions

05State-specific tax and recording fee formulas for 10 licensed U.S. states

062,733 GitHub stars

Use Cases

01Generating accurate refinance fee quotes for borrowers in licensed states

02Validating state-specific recordation and intangible taxes for mortgage disclosures

03Automating the calculation of FHA-to-FHA refinance upfront mortgage insurance premiums

What are Skills?·How to Install

Install with 🐟 Skill.Fish

npx skillfish add davepoon/buildwithclaude closing-costs

For use in Claude.ai and ChatGPT

Key Features

01Itemized breakdowns of Sections A, B, C, and E for mortgage compliance

02Standardized compliance-ready disclosures for refinance quotes

03Automated FHA UFMIP refund netting for FHA Streamline refinances

04VA funding fee calculations with support for disability exemptions

05State-specific tax and recording fee formulas for 10 licensed U.S. states

062,733 GitHub stars

Use Cases

01Generating accurate refinance fee quotes for borrowers in licensed states

02Validating state-specific recordation and intangible taxes for mortgage disclosures

03Automating the calculation of FHA-to-FHA refinance upfront mortgage insurance premiums

What are Skills?·How to Install

Install with 🐟 Skill.Fish

npx skillfish add davepoon/buildwithclaude closing-costs

For use in Claude.ai and ChatGPT