At our bank, the consumer does not pay for any fees during the mortgage process. #3 on page 2 I would list the charges for the credit report, property search, appraisal; which I'll say is $300. However, would I put a credit amount of $300 into #1-Our origination charge on page 2 so that the Total Estimated Settlement Charges (A+B) = $0.00? Any help would be greatly appreciated.