There are plenty of fees that you’ll have to make during the closing. Depending on prior negotiations, the buyer or the seller could be responsible for these costs, although typically the most of it is paid by the buyer.
All closing costs are spelled out in the lender’s Good Faith Estimate. If you want to make sure you are paying the least amount possible in closing cost fees, you should get at least three Good Faith Estimates from mortgage lenders. This is only an estimate and the actual charges may differ. RESPA allows the borrower to request to see the HUD-1 Settlement Statement that shows all actual charges imposed on borrower in connection with the settlement one day before the settlement. If you see a charge that doesn’t make sense, or that no other lender has, it’s time to ask questions.
Here’s an example of what you can expect to pay (some costs vary widely from state to state, so you should determine exactly what you will have to pay) :
