My lawyer is hoping to argue that against them but it seems like the most likely route is settlement, which means I'm paying thousands of dollars for nothing.

I currently own a SFR free and clear (thanks to a nice insurance settlement) and plan to move out and rent it this summer.

@Jared McCool I would suggest you sit down with your lender and go over these estimated costs, as they will be able to better explain each item in more detail than can be done in a forum post.When buying a house, the costs are broken down into groups; purchase cost, closing transaction costs (settlement) and prepaid costs.The purchase cost is the sale price.Closing transaction costs are related to the loan costs (points, origination charges, loan doc fees, inspection fees, title services, recording fees, etc).

Attorney should be able to help you work towards Brokerage / Seller paying you a monetary settlement to go away. 

The Special and Broad cover more types of losses and are typically a replacement cost basis rather than a depreciated settlement but make sure of that as that part can be endorsed on or off.With all of that being said markets are different and appetites from carriers are different around the country.  

I don't know if you mean the settlement company, the title agent or the title insurer but why is it automatically the "title company's" fault. 

Should anyone still want to buy an IKEA kitchen at IKEA, here is my review of the appointment / assembly process, which she/he should plan with: 11.05.2017 1.surveying appointment at home: normal 15.05.2017 1.planing apptmt at IKEA: normal 12.06.2017 1.installation apptmt at home: Planning error (measures copied incorrectly), broken kitchen appliances, broken TV, cabinet gaps, no worktop 13.06.2017 2.planing apptmt at IKEA: complete replaning due to 40cm length planing error 28.06.2017 2.installation apptmt: incorrect parts delivery, scratched, incorrectly cut worktop, broken rear wall 04.07.2017 2.surveying apptmt: new measurement for worktop 13.11.2017 3.installation apptmt: worktop supplied by 5cm too narrow 02.06.2018 4.installation apptmt: worktop supplied by 2cm too wide & 2cm too short about 12 repetitive hotline calls (always longer than 30min) including waiting loop 10 WASTE HOLIDAYS 26 Email pure for the coordination of the kitchen installation 43 Email with IKEA "customer service" for the misclaimed "claim settlement" 300 € collateral damage Zero compensation (91 € were offered to me, which I refused) Conclusion: NEVER AGAIN IKEA !!!!!

In 2011, the United States District Court for the District of Nevada entered a consent decree (a settlement of a lawsuit where a party agrees to take an action without admitting liability) on a this issue.

@Chinmay J. did you review sample settlement statement from both lenders?

Fixed costs like settlement fee for instance dont drop because the property is cheap.