I'm getting a $8,000,000 acquisition loan, they are covering 85% and another company is covering the other15%. I am responsible for $4800 of closing cost. what is the catch here? am I missing something? Mention of monies going into a trust fumd have me a little comprehensive. I don't know maybe that is normal for this type of transaction. They say the $4800 is refundable if the loan doesn't close for any reason!!!