 processing fee for the have a processor file it that's 725 and miscellaneous fees for a flood search and tax search and all those things might be a total of 175 so when you're looking at closing costs you're talking less than four thousand dollars that's where you take that number and start dividing it right and that's where you figure it out if somebody's coming to you and say there's more than that in a closing cost that then is a fee that goes to that loan officer or to that company