It's an age old problem, but yes...techncially a closing fee should be a fee specifically for being present to handle the closing.
And yes...about the only way to hash it out is to ask. If they lump it (like they should) it should be a non-issue unles they itemize it out for you some other way. We ask if any part of the lumped fee is for that purpose, and if it is, we include in the FC calcs.
My understanding is that, based on the Q&A, the settlement fee shouldn't BE itemized unless an additional 3rd party is retained for that specific purpose, however the wording is poor and is interpreted differently by FI's and attorneys, best I can tell.
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My opinion only. Not legal advice.
Say you'll haunt me - Stone Sour