Can you please help me figure out a no cost refi?

I have recently (Dec 7th) closed on a 15 yr no cost refi with a mortgage broker. I was supposed to get all the credits at closing to make it a no cost refi. But I did not get all the credits at closing. I got some credit back at closing and some after closing by a check.

I have been arguing with the mortgage broker about the check amount I should get from them to make this refi a no closing cost refi. And this has been a totally exhausting experience, as the broker and I do not agree on the check amount.

I had the option of choosing my first mortgage payment to be on Jan 1st or Feb 1st and I chose the Jan 1st option. Thus I am getting a interest credit from the lender for Dec 1-6 as I will be paying interest for the whole month of Dec with my Jan 1st mortgage payment. And they should not get interest for Dec 1-6 and thus the credit back to me. This is the item of dispute between me and my broker. I think they are not giving me the credit and pocketing the credit.

I would like to get some opinion from people experienced with mortgage refinaning about what should be my check amount to make the refi a no closing cost refi. I have uploaded the page from my final HUD that lists the itemized settlement charges. One of the item I have prepaid outside of settlement was a $405 charge for appraisal which I should get back as a credit.

Here is what I think my total credit should be.

Version 1 (My responsibility of charges)
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Prepaid Appraisal Fee (line 804) = $405
Daily Interest Charges (line 901) = -$132.24
Escrow Amount (line 1001) = $1463.50
Total Settlement Charge (line 1400) = $2350.49

Amount I am responsible for = Daily interest charges + escrow amount = -$132.24 + $1463.50 = $1331.26
So the check amount should be = Total settlement charge + prepaid appraisal fee - amount I am responsible for = $2350.49 + $405 - $1331.26 = $1424.23

Version 2 (refi closing fees that the broker should credit me to make it a no cost refi)
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Prepaid Appraisal fee (line 804) = $405
Credit Report (line 805) = $17.08
Tax Service (line 806) = $85.00
Flood Certification (line 807) = $5.00
Title Services and Lender's title insurance (line 1101) = $1572.14
Government recording charges (line 1201) = $112
Statement of Account (line 1303) = $85

Total credit expecting (sum of all the previous items) = $2281.22
Credit given (by the broker) during closing (line 803) = $856.99
So the check amount should be = total credit expecting - credit given during closing = $2281.22 - $856.99 = $1424.23



Here is the broker's version
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Prepaid Appraisal Fee (line 804) = $405
Escrow Amount (line 1001) = $1463.50
Total Settlement Charge (line 1400) = $2350.49

Amount I am responsible for = escrow amount = $1463.50
So the check amount should be = Total settlement charge + prepaid appraisal fee - amount I am responsible for = $2350.49 + $405 - $1463.50 = $1291.99

I pointed out that the interest charge for Dec 1-6 are my responsibility even though it is a credit amount. And it should be added to the escrow amount to make my responsibility lower. But they say they have already given me the credit as it is shown on my HUD stmt and I am asking for a credit that has already been given to me. But I think they are pocketing that $132.24 interest charge credit and not giving it to me.

What do you guys think my check amount should be? Should it be $1291.99 as calculated by the broker or should it be $1424.23 as calculated (in two different versions) by me?

Thanks in advance.