There are several HELOC-specific expenses borrowers can anticipate. In addition to the Origination Fee and Title Search Charge, be sure to compare the cost for these possible charges as well: Loan Processing Fee, Flood Zone Determination Fee, Appraisal Fee, Title Report Fee, Recording Fees, and Transfer Tax. In addition to fees, be aware of the terms surrounding an introductory or promotional offer tied to your HELOC Rate. Always ask questions and read the fine print to find what your rate will be once that introductory or promotional period ends.