Refinance Without Shutting Expenses. What Exactly Are Shutting Expenses? You can also finance your closing costs to reduce how much you have to pay upfront while it’s common to pay a single lump sum at closing. Let’s take a good look at just how this works and whether or not it is the option that is best for you personally. payday loans for bad credit Closing prices are a number of costs that are included with buying or refinancing a…