closing cost calculator on refinance that actually shows the trade-offs

As a skeptical reader, I want proof before I refinance; last week a lender slipped in a $45 wire fee the day before closing. I need transparency and convenience, not rosy estimates.

What would solve it

• Clear line items for lender, title, taxes, escrows, with live totals.
• Toggles for discount points vs lender credits, plus a no-closing-cost option that adjusts the rate.
• Automatic break-even date and monthly savings, with simple share/export.

I cross-check a refinance closing costs estimator, a mortgage refinance calculator closing costs view, a no-closing-cost refinance calculator, a break-even refinance calculator, and a refinance fees breakdown to avoid surprises.

Pragmatic caveat

Estimates shift by state, loan size, credit score, appraisal results, and lock date; the Closing Disclosure still has the final word.