closing-costs
Calculates itemized state-specific closing costs for mortgage refinance transactions across 10 licensed states, with product-specific fees for Conventional, FHA, FHA Streamline, VA IRRRL, and VA Cash-Out.
Best use case
closing-costs is best used when you need a repeatable AI agent workflow instead of a one-off prompt.
Calculates itemized state-specific closing costs for mortgage refinance transactions across 10 licensed states, with product-specific fees for Conventional, FHA, FHA Streamline, VA IRRRL, and VA Cash-Out.
Teams using closing-costs should expect a more consistent output, faster repeated execution, less prompt rewriting.
When to use this skill
- You want a reusable workflow that can be run more than once with consistent structure.
When not to use this skill
- You only need a quick one-off answer and do not need a reusable workflow.
- You cannot install or maintain the underlying files, dependencies, or repository context.
Installation
Claude Code / Cursor / Codex
Manual Installation
- Download SKILL.md from GitHub
- Place it in
.claude/skills/closing-costs/SKILL.mdinside your project - Restart your AI agent — it will auto-discover the skill
How closing-costs Compares
| Feature / Agent | closing-costs | Standard Approach |
|---|---|---|
| Platform Support | Not specified | Limited / Varies |
| Context Awareness | High | Baseline |
| Installation Complexity | Unknown | N/A |
Frequently Asked Questions
What does this skill do?
Calculates itemized state-specific closing costs for mortgage refinance transactions across 10 licensed states, with product-specific fees for Conventional, FHA, FHA Streamline, VA IRRRL, and VA Cash-Out.
Where can I find the source code?
You can find the source code on GitHub using the link provided at the top of the page.
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SKILL.md Source
# Closing Costs Provides itemized estimated closing costs for refinance transactions with state-specific fee schedules, product-specific calculations, and compliance-required disclosures. ## When to Use This Skill - Calculating closing costs for a refinance quote - Presenting fee breakdowns to borrowers - Determining FHA UFMIP refund netting for Streamline refinances - Calculating VA funding fees with disability exemption handling ## What This Skill Does 1. Calculates Section A (lender fees), Section B (third-party fees), Section C (title/settlement), and Section E (recording/taxes) 2. Applies state-specific title insurance rate formulas for all 10 licensed states 3. Handles FHA UFMIP with refund netting for Streamline refinances 4. Handles VA funding fee with disability exemption detection 5. Presents full itemized breakdown with compliance disclosures ## Supported States | State | Key Taxes/Fees | |-------|---------------| | Georgia (GA) | Intangible tax $3.00/$1,000 | | Alabama (AL) | Mortgage recordation tax $1.50/$1,000 | | Florida (FL) | Doc stamp $3.50/$1,000 + intangible $2.00/$1,000 | | Kentucky (KY) | No transfer tax on refinance | | North Carolina (NC) | Attorney-closing state, no excise tax on refi | | Oregon (OR) | No mortgage recording tax | | South Carolina (SC) | Attorney-closing state | | Tennessee (TN) | Indebtedness tax $1.15/$1,000 | | Texas (TX) | No mortgage recording tax | | Utah (UT) | No mortgage tax | ## Installation This skill is part of the mortgage plugin. Install via: ``` /plugin marketplace add lendtrain/mortgage /plugin install mortgage@mortgage ``` Full source: [github.com/lendtrain/mortgage](https://github.com/lendtrain/mortgage)
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