You'd recoup the estimated 2 percent you'd pay in closing costs in 40 months.

你将在40个月内收回预计的2%的关闭成本。

Closing costs are separate from the actual price of the home.

。 交易费用与房屋的实际价格分开。

And what's included in the closing costs?

Kiko：成交费用中包含什么？

The closing costs are the expenses, the money that you have to pay when the loan is approved.

关闭成本是费用， 即贷款获得批准时您必须支付的钱。

The savings can be substantial, as long as you're going to stay in your home long enough to recoup the closing costs on a new loan (typically two to three years).

只要你能在你的房子里呆上足够长的时间来收回新贷款的成本(通常是两到三年)，你就能省下一大笔钱。