In second page of HUD 1 you usually see three columns 1: explanation of the items; 2: paid from borrower at settlement ; 3:paid from seller at settlement.
In item 804 you see appraisal fee, say $400, in A column rather than in B column since you have paid prior to settlement so that they will not charge you again.
Since this is a no cost refinance, you should have $400 appraisal refund, which should included in item 803 (B column). Item 803 is adjusted origination charge which should be a negative $ amount (credit to you).
The credit amount (item 803) should =all closing cost in HUD1+$400 appraisal refund
Closing cost=item 805 to 809 + item 1100 + item 1200 + item 1300
Please note that item 900 and item 1000 are what you should pay in advance for interest, tax, and insurance. These are not closing cost.
In summary, the credit to you should cover all closing cost plus $400 so that the money you should bring to the table is the sum of item 900 and item 1000 minus $400 appraisal refund.
Do a math with you HUD1, please let me know what it turns out to be.
