Wow, that really stinks

MN doesn’t do that, just the $2800 closing costs. I thought it was bad enough that we’ll have to pay $475 to close the HELOC we never used in order to refi (we were considering buying a house with my SIL and BIL last year and wanted to be able to use our current house’s equity for a down payment and sell afterwards. Our housing costs would have plummeted afterwards because of shared costs, but we had no intention of using the HELOC unless we did that. I don’t lose too much to the Stupidity Tax, but that’s where I’m putting this one.)