how did we get the total closing costs? calculate down and points?

Size of Down Payment Item 20% 10% Loan application fee $ 300 $ 300 Loan origination fee 1,600 1,800 Points 4,160 5,400 Mortgage and homeowner's insurance 675 Title search and insurance 665 665 400 400 Attorneys' fees Appraisal fees 425 425 350 350 Home inspection Mortgage tax Filing fees 665 725 80 80 Credit reports 35 35 Miscellaneous 200 200 Total closing costs $9,530 $11,130 Note: Typical closing costs for a $200,000 home-2.6 points charged with 20% down, 3 points with 10% down. Actual amounts will vary by lender and location. Size of Down Payment Item 20% 10% Loan application fee $ 300 $ 300 Loan origination fee 1,600 1,800 Points 4,160 5,400 Mortgage and homeowner's insurance 675 Title search and insurance 665 665 400 400 Attorneys' fees Appraisal fees 425 425 350 350 Home inspection Mortgage tax Filing fees 665 725 80 80 Credit reports 35 35 Miscellaneous 200 200 Total closing costs $9,530 $11,130 Note: Typical closing costs for a $200,000 home-2.6 points charged with 20% down, 3 points with 10% down. Actual amounts will vary by lender and location