What fees will banks absorb for me?

When it comes to Purchases, there are lenders that will pick up the appraisal cost if required.  On Switches/Transfers all fees except for the discharge fee (approx. $250.00) are picked up by the new lender.  On Refinances there are lenders that will pick up appraisal and legal fees for you. You can also capitalize some or the entire payout penalty on top of the mortgage.