The Settlement Statement or HUD contains information about fees and payoffs associated with your loan. These are fees that are paid out to contractors in association with the origination or maintenance of your loan, not to be confused with your monthly payments.
Reimbursement
Borrowers often ask if they will be reimbursed for certain fees. Don't answer this question, rather, refer them to the lender if they ask about reimbursement.
Appraisal Fees
Sometimes borrowers have already paid an appraisal fee, but are billed again for it in the Settlement Statement. Have them talk to the lender about this.