Closing costs can include everything from loan fees and title insurance, escrow fees, homeowners insurance and tax impounds, inspection and appraisal fees, HOA dues and transfer fees when applicable, well and septic transfer fees when applicable, wire fees and more. Some fees are negotiable with the seller and some are not.  A rule of thumb is to expect to pay approximately 2-3% % of the final sale price in closing costs when buying a property using conventional financing however every loan and transaction is different with many variables affecting your actual closing costs. Some of your closing costs can be wrapped into your mortgage. To get a more accurate estimate of your closing costs with no obligation, contact me for answers or ask your lender for a good faith estimate.