Hello, Frankie, and thank you for your question.
HELOC closing costs can be very low, even zero. However, you'll usually pay for a low-cost HELOC with a higher interest rate.
HELOC closing fees depend a lot on your credit rating and the home's loan-to-value, but they are low because the rate is variable, transferring much of the interest rate risk to you, the borrower.
Note: if you expect to take the entire term to pay off a high balance, consider a fixed second mortgage. It's safer in the event rates rise.
Thank you for writing.