下列条款是lender的closing document的一部分。Appraisal 应包含在closing costs内。Lender 拒绝按条款办，把Appraisal cost列在closing costs 外。这样我就不能用seller's credit来付此费。而要剩余1300 刀返回seller. 是银行回收房。真气人。难道我只有屈服一条路吗？
下面是lender的相关条款：
CLSOING COST SUMMARY
Included in the cost to close your loan are the closing fees, prepaid taxes, insurance and interest, which are shown on the Settlement Statement (HUB-1). You are also responsible for the down payments.
Closing Fees: You will be charged fees by us and by third parties for your loan. These fees may include lender fees and application fees, as well as items such as credit report, appraisal, title insurance, and the closing fee charged by the settlement agent.
Prepaid Taxes, Insurance and Interest: You are responsible for any prepaid mortgage interest, any property insurance premiums and all applicable property taxes or assessments, including homeowners’ association charges. Some state and local jurisdictions impose charges and taxes related to mortgage and property transactions, for which you are responsible. When your loan transaction includes an escrow account for such items as property taxes and insurance, you are required to make initial deposits into that account
