The term that accurately describes the fees that have been paid already by or on behalf of the borrower is "Total paid already." This term specifically refers to any upfront costs that the borrower has already settled, which can include items such as loan origination fees, appraisal fees, or any pre-paid interest that was paid at the beginning of the loan process. Recognizing this term is important in understanding a borrower's financial commitment before closing, as it provides clarity on what has already been expended and helps in analyzing the overall cost of the loan.
The other terms listed do not encompass the specific meaning of fees paid in advance by the borrower. The total due at closing generally refers to the sum owed at the time of closing, which may include various fees but does not specify what has already been paid. Closing cost estimates pertain to projected costs that a borrower might expect to pay at closing rather than actual amounts already settled. One-time payment fees could indicate a singular fee but lacks the specificity regarding prior payments made on behalf of the borrower. Thus, "Total paid already" distinctly captures the concept of fees that already exist due to previous payments.