Reading between the lines: Who's paying for the payroll tax cut extension?

"Most borrowers won't see the fee on their loan closing statements. Instead, they will pay it through higher interest rates. Interest rates already have moved up by roughly .125%. (You may not have noticed because rates have been at record lows of late.) On our $200,000 mortgage, this means the monthly payment is $14 higher. Over the life of a 30-year mortgage, that's an extra $5000 in interest."