Which costs can change without any tolerance limitations?

Costs that can change without any tolerance limitations include prepaid interest, charges for third-party services, and escrow account amounts.

Prepaid interest is based on the exact number of days from the closing date to the end of the month and can vary depending on when the closing takes place. Therefore, it is not subject to tolerance limitations because it is calculated based on actual circumstances rather than fixed estimates.

Charges for third-party services, such as appraisal fees, can also fluctuate based on the individual service provider chosen by the borrower, and they are not bound by the tolerance thresholds. The lender must provide a good faith estimate, but since these costs can vary widely depending on the service provider and local market conditions, they can change without being restricted by the tolerances.

Escrow account amounts are also exempt from tolerance limitations. These figures can vary based on the lender’s initial estimations and the actual amounts required at closing for property taxes and insurance.

Because all these elements can fluctuate based on specific circumstances and are not capped by tolerance limitations, the correct answer encompasses all options mentioned.