Agent skill

Closing Costs

by davepoon in davepoon/buildwithclaude

Calculates itemized state-specific closing costs for mortgage refinance transactions across 10 licensed states, with product-specific fees for Conventional, FHA, FHA Streamline, VA IRRRL, and VA…

MITAuto-check passedBusiness, Finance & HR

Install Closing Costs

skills CLI
$ npx skills add davepoon/buildwithclaude --skill closing-costs -a claude-code

Project install by default; add -g for ~/.claude/skills/.

GitHub CLI
$ gh skill install davepoon/buildwithclaude closing-costs --agent claude-code

Project scope by default; add --scope user for a personal install. Needs GitHub CLI 2.90.0 or later (public preview).

Manual copy
$ git clone --depth 1 https://github.com/davepoon/buildwithclaude.git skills-src && mkdir -p .claude/skills && cp -r skills-src/plugins/mortgage/skills/closing-costs .claude/skills/closing-costs && rm -rf skills-src

Use ~/.claude/skills/ instead of .claude/skills for a personal install. The folder must contain SKILL.md.

Claude Code skills documentation · loads skills from .claude/skills/

Facts

Skill name
closing-costs
GitHub stars
3.6k
Token cost
~495 tokens
SKILL.md length
193 words
Files
1
Skills in repo
246
Repo updated
First seen
Licence
MIT

At a glance

Calculates itemized state-specific closing costs for mortgage refinance transactions across 10 licensed states, with product-specific fees for Conventional, FHA, FHA Streamline, VA IRRRL, and VA…

  • Works in 5 steps: Calculates Section A (lender fees),… → Applies state-specific title insurance… → Handles FHA UFMIP with refund netting… → …
  • Tasks that involve Real estate
  • SKILL.md covers When to Use This Skill, What This Skill Does, Supported States and Installation
  • Instructions only: no scripts, shell commands, URLs or credentials in SKILL.md

What it does

Closing Costs is an agent skill from davepoon/buildwithclaude. Calculates itemized state-specific closing costs for mortgage refinance transactions across 10 licensed states, with product-specific fees for Conventional, FHA, FHA Streamline, VA IRRRL, and VA Cash-Out.

Its SKILL.md is about 500 tokens, which your agent loads only when the skill is triggered. It is a single SKILL.md file with no bundled scripts.

It sits in Business, Finance & HR, covering Real estate. The repository describes itself as: A single hub to find Claude Skills, Agents, Commands, Hooks, Plugins, and Marketplace collections to extend Claude Code, Claude Desktop, Agent SDK and OpenClaw. The licence is MIT.

When your agent uses it

  • Tasks that involve Real estate

Example prompts

  • “Use the closing-costs skill to calculate itemized state-specific closing costs for mortgage refinance transactions across 10 licensed states, with…”
  • “/closing-costs”

Workflow steps

5 steps, taken from the first numbered list in SKILL.md.

  1. Calculates Section A (lender fees), Section B (third-party fees), Section C (title/settlement), and Section E (recording/taxes)
  2. Applies state-specific title insurance rate formulas for all 10 licensed states
  3. Handles FHA UFMIP with refund netting for Streamline refinances
  4. Handles VA funding fee with disability exemption detection
  5. Presents full itemized breakdown with compliance disclosures

What it can do on your machine

Read from SKILL.md and the folder at commit 616deb5. It shows what the files ask for, not the result of running them.

  • Tool permissions

    Pre-approves nothing: there is no allowed-tools line, so your agent's usual permission prompts apply.

    From allowed-tools in the SKILL.md frontmatter.

  • Runs code

    No scripts in the folder and no shell commands in SKILL.md.

    From the folder's file list and the shell code blocks in SKILL.md.

  • Network

    Links to these hosts (documentation or services it may open):

    • github.com

    From URLs in SKILL.md, links to its own repository left out.

  • Credentials

    Names no API keys, tokens, secrets or passwords.

    From names ending in _API_KEY, _TOKEN, _SECRET, _KEY or _PASSWORD in SKILL.md.

Context cost

Closing Costs loads about 495 tokens when it runs. Until then it costs about 55 tokens; SKILL.md has 193 words of instructions outside code blocks.

Always · name and description, kept in context so the agent knows when to use it
~55
When it runs · the whole SKILL.md, loaded when a task matches
~495

Estimates: characters ÷ 4, the usual rule of thumb; real counts depend on the model's tokenizer. Scripts and assets cost tokens only if the agent reads them.

Safety

Auto-check passed

The automated check found no risky patterns in SKILL.md.

Automated static check — not a guarantee. Review scripts before installing. It scans the text of SKILL.md for risky patterns (piping downloads into a shell, reading credential files, hidden Unicode, destructive commands); files beside SKILL.md are not scanned.

SKILL.md

The full file from davepoon/buildwithclaude at commit 616deb5, republished under its MIT licence (© davepoon). 193 words, ~495 tokens.

Download SKILL.mdSave it as .claude/skills/closing-costs/SKILL.md (or your agent's skills folder).
name
closing-costs
description
Calculates itemized state-specific closing costs for mortgage refinance transactions across 10 licensed states, with product-specific fees for Conventional, FHA, FHA Streamline, VA IRRRL, and VA Cash-Out.
category
business-finance

Closing Costs

Provides itemized estimated closing costs for refinance transactions with state-specific fee schedules, product-specific calculations, and compliance-required disclosures.

When to Use This Skill

  • Calculating closing costs for a refinance quote
  • Presenting fee breakdowns to borrowers
  • Determining FHA UFMIP refund netting for Streamline refinances
  • Calculating VA funding fees with disability exemption handling

What This Skill Does

  1. Calculates Section A (lender fees), Section B (third-party fees), Section C (title/settlement), and Section E (recording/taxes)
  2. Applies state-specific title insurance rate formulas for all 10 licensed states
  3. Handles FHA UFMIP with refund netting for Streamline refinances
  4. Handles VA funding fee with disability exemption detection
  5. Presents full itemized breakdown with compliance disclosures

Supported States

StateKey Taxes/Fees
Georgia (GA)Intangible tax $3.00/$1,000
Alabama (AL)Mortgage recordation tax $1.50/$1,000
Florida (FL)Doc stamp $3.50/$1,000 + intangible $2.00/$1,000
Kentucky (KY)No transfer tax on refinance
North Carolina (NC)Attorney-closing state, no excise tax on refi
Oregon (OR)No mortgage recording tax
South Carolina (SC)Attorney-closing state
Tennessee (TN)Indebtedness tax $1.15/$1,000
Texas (TX)No mortgage recording tax
Utah (UT)No mortgage tax

Installation

This skill is part of the mortgage plugin. Install via:

/plugin marketplace add lendtrain/mortgage
/plugin install mortgage@mortgage

Full source: github.com/lendtrain/mortgage

© davepoon, MIT. Rendered from Markdown: HTML in the file is shown as text, images as links, and headings moved down two levels. Raw file

Files

Just SKILL.md in plugins/mortgage/skills/closing-costs of davepoon/buildwithclaude.

Open the folder on GitHubat commit 616deb5

Compare with similar skills

Closing Costs next to the 5 skills that share the most tags, products or categories with it. Stars are the repository's; “used in” counts other GitHub owners with a copy.

Closing Costs compared with similar skills
SkillStarsUsed inTokensAuto-checkLicenceRepo updated
Closing Costs this skilldavepoon/buildwithclaude3.6k—~495Automated safety check: PassMIT
Thue Tncn Vietnamdotanminh/thue-tncn-vietnam241—~2.8kAutomated safety check: PassNone
Apartment Finderhanzili/hanzi-browse177—~2.1kAutomated safety check: PassCustom licence
Realestate Commercialzubair-trabzada/ai-realestate-claude177—~3.2kAutomated safety check: PassMIT
Vet PRetewiah/awesome-real-estate374—~1.5kAutomated safety check: PassCC0-1.0
Realestate Comparezubair-trabzada/ai-realestate-claude177—~3.7kAutomated safety check: PassMIT

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Questions about Closing Costs

What does Closing Costs do?

Calculates itemized state-specific closing costs for mortgage refinance transactions across 10 licensed states, with product-specific fees for Conventional, FHA, FHA Streamline, VA IRRRL, and VA…. Closing Costs is an agent skill from davepoon/buildwithclaude. Calculates itemized state-specific closing costs for mortgage refinance transactions across 10 licensed states, with product-specific fees for Conventional, FHA, FHA Streamline, VA IRRRL, and VA Cash-Out.

When should I use Closing Costs?

Closing Costs fits situations like: tasks that involve Real estate.

How do I install Closing Costs in Claude Code?

Run `npx skills add davepoon/buildwithclaude --skill closing-costs -a claude-code`. Or copy the skill folder (plugins/mortgage/skills/closing-costs in davepoon/buildwithclaude) into .claude/skills/closing-costs in your project. Claude Code loads it when a task matches its description.

How do I install Closing Costs in Codex?

Run `npx skills add davepoon/buildwithclaude --skill closing-costs -a codex`. Or copy the skill folder (plugins/mortgage/skills/closing-costs in davepoon/buildwithclaude) into .agents/skills/closing-costs in your project. Codex loads it when a task matches its description.

Can I use Closing Costs in Cursor, Gemini CLI or GitHub Copilot?

Cursor, Gemini CLI, GitHub Copilot and OpenCode also load SKILL.md folders. With the skills CLI, run `npx skills add davepoon/buildwithclaude --skill closing-costs -a cursor` (or -a gemini-cli, github-copilot or opencode for the others). To copy it by hand, put the folder in .cursor/skills/closing-costs, .gemini/skills/closing-costs, .github/skills/closing-costs and .opencode/skills/closing-costs in your project.

What does Closing Costs need to run?

SKILL.md names no scripts, command-line tools or credentials: Closing Costs is instructions for the agent only.

Does Closing Costs access the network?

SKILL.md names 1 domain. As links in the text: github.com. This is read from the text; nothing was executed.

Is Closing Costs safe to install?

Our automated static check of SKILL.md found no risky patterns, such as piping downloads into a shell, reading credential files or hidden Unicode. It is not a guarantee. Review the folder before installing.

What licence does Closing Costs use?

Closing Costs is published under the MIT licence (the repository's licence). It allows redistribution, so the full SKILL.md is shown on this page.

How many tokens does Closing Costs use?

About 495 tokens (SKILL.md is roughly 2k characters). Agents keep only the skill's name and description in context until a task matches; then they load SKILL.md in full.

What are the alternatives to Closing Costs?

Skills that share tags, products or a category with Closing Costs: Thue Tncn Vietnam (dotanminh/thue-tncn-vietnam, 241 stars), Apartment Finder (hanzili/hanzi-browse, 177 stars), Realestate Commercial (zubair-trabzada/ai-realestate-claude, 177 stars) and Vet PR (etewiah/awesome-real-estate, 374 stars). The comparison table on this page puts their stars, adoption, token cost, safety result and licence side by side.

Who maintains Closing Costs?

davepoon (a GitHub user) maintains it in davepoon/buildwithclaude, which has 3,605 GitHub stars. The repository holds 246 skills in this directory. The repository was last updated on October 9, 2026.

Source: davepoon/buildwithclaude on GitHub. Facts on this page come from the repository at the commit we read; the author's words are quoted as theirs.