Which of the following charges could increase between when the loan estimate is provided and the closing?

The homeowner's insurance premium is a charge that could increase between the time the loan estimate is provided and the closing. This is because the final determination of the premium can depend on various factors, such as the specific terms of the insurance policy, any changes in the property’s characteristics, or shifts in the insurance market itself. Insurers sometimes revise their rates based on market conditions, and these adjustments can lead to a higher premium than initially estimated.

In contrast, the conveyance tax and loan origination fee are more stable because they are generally set by local laws or the lender's policies at the time of closing. The conveyance tax is typically a fixed rate tied to the property’s sale price, and the loan origination fee is usually disclosed accurately in the loan estimate. Points for a locked interest rate also tend to be fixed once an agreement is made, unless there are changes in the loan amount or terms. Therefore, while estimates can provide a good projection of costs, certain factors, specifically related to homeowner's insurance, can lead to variability by the time of closing.