Basically, if it's required in order to close a loan, it's disclosed as a cost in the appropriate category [such as anything recording, like a lien release on seller]. If it's NOT required, it would go in other. So, for instance, if it's not a requirement that the seller have their own settlement-related fee, then it would go in 'other'. If not, it would go in services you can't shop for, because I assume the buyer wouldn't be able to shop for this...again , ASSUME!