I would take a moment and sit down with the preliminary GFE and the final GFE or closing statement. Most of the items on the initial GFE are predictable, such as when taxes will be paid/collected, etc. Homeowner's insurance is a different story, as a loan officer doesn't know how many months will be collected for escrow until they see a dec page or binder. $1000 is a pretty big error, however, and $23/month doesn't add up to the discrepancy....so I would again make sure that the fees listed are accurate and true. If anything has changed, you have the right to ask why. You also have the right to request the loan officer to adhere to the initial disclosures - especially if it is his/her fees that have increased!