I am a first time home buyer and we just received our Good Faith estimate and I am so confused. We have asked our agent/finance person about closing cost. It seems they go up every week. However on the estimate it states estimate of closing cost is in the $2K range, then below it says "prepaid finance charges" they are listed at $7K. I am reading online that these are paid at closing. No one has mentioned these cost to me or that we have to pay them. Can anyone help me and shed some light on this?