Refinance - was I overcharged?

Hi I refinanced from ANZ to NAB Homeside.

Facts:
$215,760.78 ANZ final payout

NAB loan $215,000 facility limit. The debited the following:

• $250 legal fees
• $222 land title fees
• $600 application fee - they agreed to refund this fee
• $214,528 loan draw down
  
• $215,600 Total loan

They therefore exceeded their facility by $600. They took $1,832.78 from our offset, being $1,232.78 shortfall for ANZ ($215,760.78-$214,528). The other $600 was apparently to bring the facility back to $215,000 given they overdrew. They then credited the loan to refund the $600 application fee.

Question - did I still get overcharged $600?

On a cash basis from NAB's perspective:

Paid ANZ $215,760.78
Paid me $600 (refund for application fee)
Loaned me $215,600
Charged me from my offset $1,832.78
= Fees for NAB $1,072, being $250, $22 and $600

Therefore I did not in theory get my $600 application fee back. Even if you ignore the $600 fee in the first place the monies taken from my offset should have been $1,232.78 ($215,760.78-$215,000+$250+$222).

How they have transacted is very confusing.

Any advice is appreciated.

Refinance - was I overcharged?