Hi Didi, although most townhomes have a similar legal structure to condos they are not treated as such when being priced and most lenders do not charge additional fees for townhomes (often PUDS) Condos are a completely different beast.
You must first find out if your lender/broker locked-in your loan rate and for how long was the lock in (10,15,30 days)
When you say contract I assume that you mean that you signed the closing documents, so if that is the case most likely then the rate was already locked in because it is required that the rate be locked prior to closing and in that case there could be no further changes to your loan unless your lock-in rate expired during the 3 day recission period and then that would give the lender/broker and opportunity to change the rate and or costs to cover any possible losses to his yield spread (YSP) from any changes in your old rate. It's a little complicate however any responsible (professional lender/broker) should have made you aware of these possible changes. Any changes which adversely affect your rate or costs most be re-disclosed prior to closing and failure to do so could be costly to them.