Although the past year’s historically low mortgage rates have saved home buyers money, a Bankrate.com survey shows they paid more at the settlement table. Assuming a $200,000 loan and a 20 percent down payment, the poll determined that realty closing costs climbed 6 percent this year to $2,402 from $2,264 last year. Origination or underwriting fees, meanwhile, were 8 percent higher at $1,730; and third-party fees for appraisals, credit checks, and other services nudged up 1 percent to an average of $672. With favorable mortgage rates bringing in a steady stream of customers, “lenders really didn’t have to compete as much for business, they were free to charge higher closing costs,” noted Bankrate.com analyst Polyana da Costa. | Read More