Which settlement charges can change without the need for a new GFE?

The correct choice focuses on the 10% tolerance rule, which is part of the rules established under the Real Estate Settlement Procedures Act (RESPA). According to this rule, certain charges can vary at settlement without necessitating a new Good Faith Estimate (GFE) for the borrower.

Specifically, this applies to settlement charges that fall under the category of "changes that don't exceed 10%." If the sum of the charges from the same service provider in the GFE stays within this 10% tolerance, the lender is not required to issue a new GFE even if the actual closing costs differ slightly from what was initially estimated.

In contrast, fees for third-party services or charges related to the buyer's credit score do not necessarily have the same tolerance and could prompt a different response if they were to change significantly. Likewise, stating "all closing costs" is too broad and does not accurately capture the regulatory guidelines surrounding potential changes and tolerances laid out for specific categories of charges.