Need your advice

[West Kite]

Dear fellows, I was wondering if you could offer me some advice on which items are negotiable based on the estimate I received. Are there certain expenses that can be discussed or reduced? Thank you for your help.

[Matthew Morrow]

They're charging you lots of up front fees. Many of the items on here are not negotiable- BUT it appears youre being charged 2% up front for "loan discount Fee" or points. Maybe talk with the lender to see if any other combinations of down payment / equity / loan products help you reduce the overall cash needed. Could also consider a seller credit to cover closing costs IF the deal is not signed yet and they're flexible.