When you check the "Add to Loan" checkbox next to any itemized fee, it will finance the fee into your loan, increasing your loan amount. This function should only be used on refinances and purchases that allow for financed closing costs (VA Loans).
Note that the checkbox at the bottom of the fee detail to "Add All Fees to Loan" will check or uncheck all the boxes to finance each fee so you can do them all at once as needed.
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