Underwriting Fee
The underwriting fee covers the lender's assessment of your loan's risk. It overlaps heavily with the origination fee and is often negotiable.
- Typical range
- $300–$900
- Category
- Origination
- Negotiable
- Usually negotiable
Common problems with the Underwriting Fee
- Billed in addition to a full origination fee (double-charging)
- Above the typical $300–900 range
How to check this fee on your Closing Disclosure
Find this line item on page 2 of your Closing Disclosure. Compare the amount to the typical range, and check whether it duplicates another fee. If it is above range or a junk fee, raise it with your lender before you close — you have a 3-business-day review window.
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For informational purposes only. Not legal, tax, or medical advice.