I don't understand. The table says basically that those with higher credit will pay very low fees, and only those who are higher risk, i.e. less than 20% LTV at credit score >=780 are charged fees at all. As your credit score drops, you actually pay higher fees.
So I don't understand how this makes high-credit borrowers "subsidize" anything for low-credit borrowers. Can someone explain?
On top of that, I don't understand why the administration would fight a housing affordability problem by... Raising the cost it takes to buy a home.