The new disclosure laws are pretty clear. I as a lender, must disclose my fees upfront and they cannot change, excluding the cost to buydown your interest rate. Other fees MUST be disclosed and some have only a 10% tolerance and if exceeded the lender will have to eat it. My suggestion is to speak with the Loan Officer and have them explain to you why such a big difference and why it wasn't re-disclosed. There are remedies for consumers who have been taken advantage of. My knee jerk reaction would be, "Why would you want to continue to work with someone who can't add?"