How much should closing costs on a refinancing of a $ 116,000 mortgage will be 6.25%? No Money Down?

In fact a refi to 80%, cash and want to see if my lender eat too much of my fresh equity. The re-fi is $ 116,000 (loan amount)
I credit score summary, but the house I’m looking for is around 160,000, and I make about 55,000 a year. Can I get money no money down loan, or will I need a co-borrower with good credit?

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