Compare the original, good faith estimates with the final settlement statement. Contact the lender as well as the escrow company and demand that they explain any differences in costs. Ask the lender, title or escrow companies to waive any fees that were not at least listed in the good-faith estimate. Some hard-line consumer advocates suggest demanding a receipt for each and every charge on the settlement statement, but if you do, be prepared for delays. Escrow experts say the settlement sheet is a receipt for all the charges.
Consumer advocates insist on at least getting a receipt for unexplained charges.
You can then approach the entity that levied the charge and ask questions. On closing day, come prepared with plenty of time, pencil, paper, a calculator, and an inquisitive, demanding mind. Tell the escrow agent you will not be rushed. Do not hesitate to question any amount that you do not understand and sign nothing until you understand each charge. If you are intimidated by the event, consider bringing an accountant or other number crunching professional to assist you.