because if you move immediately after refinancing you lose all the refinancing costs

I'm a bit confused about this line.

If I go with Wells Fargo, there are no refinancing costs, but I pay 3.25%

If I go with USAA i have 7.5K in fees, but my rate is 2.6%

I looked at the: Loan Amortization Schedule

plugged in some numbers, and I'm not sure i understand what I'm looking at

Am I doing this right?

#1 USAA LOAN

Loan amount $278,000.00

Annual interest rate 2.625%

Loan period in years 27

Number of payments per year 12

Start date of loan 1/1/2015

IF I stay 2 years, it means I would have paid 13,655.02 in interest + 7.5K in fees = ~21K

IF I stay 4 years, it means I would have paid 33,574.57 in interest + 7.5K in fees = ~41K

#2 WELLS FARGO LOAN

Loan amount $278,000.00

Annual interest rate 3.25 %

Loan period in years 27

Number of payments per year 12

Start date of loan 1/1/2015

IF I stay 2 years, it means I would have paid 16,942.04 in interest + 0K in fees = ~17K

IF I stay 4 years, it means I would have paid 41,800.50 in interest + 0K in fees = ~42K

So it's better to do Wells Fargo as long as I don't stay longer than 4 years?