[Lillian]

When I purchased my home, the following year's taxes and insurance premiums were included in the closing costs. What happens to these payments when I refinance? In other words, do I have to pay a year's worth of taxes/insurance again and get a refund for what I have already paid? Or are these fees waived when you refinance since I have already paid for the next year? I'm trying to estimate what my closing costs would be to refinance...