You’ll likely be responsible for a variety of fees and expenses that you and the seller will have to pay at the time of closing.  Your lender must provide a good-faith estimate of all settlement costs.  The title company or other entity conducting the closing will tell you the required amount for:

• Down payment
• Loan origination
• Points, or loan discount fees (paid only when you want to receive a lower interest rate)
• Home inspection (normally this will be paid for during the option period)
• Appraisal
• Credit report
• Private mortgage insurance premium (depends on amount of down payment and/or type of loan)
• Insurance escrow for homeowner’s insurance, if being paid as part of the mortgage
• Property tax escrow, if being paid as part of the mortgage. Lenders keep funds for taxes and insurance in escrow accounts as they are paid with the mortgage, then pay the insurance or taxes for you.
• Deed recording
• Title insurance policy premiums
• Land survey (if no valid survey exists)
• Notary fees
• Prorations for certain costs, such as property taxes

Source: National Association of REALTORS®