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Closing Costs
You have probably figured out how much you will need at the closing for your down payment, but don't forget about the closing costs. These additional costs can add up to a significant amount.

Closing costs will vary, depending upon the financing costs and the time of the month that you close. Your Realtor will be able to give you an estimate of all these costs, including the points on your loan, private mortgage insurance (if required), the title search, title insurance, attorneys' fees, and any transfer taxes or recording fees changed by local government agencies. There may also be property taxes, homeowners' association fees and insurance that must be prepaid.

 
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