Yes, you can have an attorney do that after the closing. Whether you are closing in 2012 or 2013, make sure that you deduct the RD fee, if you can. It is completely deductible in the purchases year. It is a big deduction, but won't do you much good unless you have can itemize since you are married that will be a big threshold to get over. If you close after the first of the year, you will not only have the funding fee to deduct but also 11 or 12 months of interest payments much better for you.