How to edit conditions for total cost?

I am having some issue with calculating the Total Lead Cost with the new fields I have added in.  The fields were calculating properly before the extra section was added in. 

I have cloned your form and added calculation values for each option. Below is a screenshot from one of them:

I have also removed the number field form total and added a form calculation widget. Please note that I have not added values for "Mortgage Protection Direct Mail ( 3 week turnaround from lead request)" as we have to assign an exact value. If you could provide me the exact values and details like how the calculation should work, I can add the same to form calculation.

Right now it will work except for the values for the question to which values are not assigned. Here is a link to the cloned  form: https://form.jotform.com/90715612700954

Let me know if you have any questions.

how to do I run the payment wizard for payments without products, but using conditional logic to add up the cost?

You can add a dropdown/single choice/multiple choice field to the form and add your products here. please find the screenshot below:

After that, you can define values for these options:

I have also added a number field for donations and at last, you can add a form calculation field:

Here is a link to the cloned form on which I have made few changes: https://form.jotform.com/90945218763970

Let me know if you have any further questions.