Although many lenders offer "zero point" loans to borrowers to help reduce your costs, there are still plenty of fees and deposits that you'll have to make during final closing. Here's an example of what you can expect to pay:

	Fees for a $50,000 Loan	Fees for a $100,000 Loan	Fees for a $200,000 Loan
Loan application fees and credit report	$75 to $300	$75 to $400	$75 to $400
Loan origination fee (1%)	500	1,000	2,000
Points (1 to 3%)	500 to 1,500	1,000 to 3,000	2,000 to 6,000
Title search and insurance fees	450 to 600	450 to 600	450 to 600
Lender's attorney	150 to 400	150 to 400	150 to 400
Appraisal	150 to 400	150 to 400	150 to 400
Homeowner's insurance	300 to 600	500 to 800	700 to 1,000
PMI	350 to 675	750 to 1,500	900 to 1,750
Inspections	175 to 300	175 to 300	175 to 300
Survey	125 to 400	125 to 400	125 to 400
Recording fees	40 to 60	75 to 150	100 to 200
Transfer taxes	75 to 1,125	75 to 1,125	75 to 1,125
Buyer's attorney	400 to 700	1,200 to 1,500	1,500 to 3,000
Escrow deposit for taxes* (depends on closing date)	100 to 800	100 to 2,400	100 to 3,000
Partial month's interest (depends on closing date)	20 to 400	50 to 1,200	100 to 2,400
Subtotals	$3,335 to $8,660	$6,125 to $8,850	$9,550 to $22,975
Plus Down Payment	$5,000	$10,000	$20,000
Totals	$8,335 to $13,660	$16,800 to $18,850	$29,500 to $42,975

Note:* Real estate closing practices vary widely from state to state and county to county. Where you live will determine what you will have to pay. Even if you are not required to escrow money for taxes, you may want to set aside this amount to assure that you will be able to pay these tax bills when they fall due.