Get a detailed breakdown of every closing cost line item — from origination points and title insurance to transfer taxes and FHA/VA funding fees.
Closing costs are often the biggest financial surprise for first-time buyers. Budget at least $8,000–$15,000 on a $350,000 purchase. Some costs are negotiable (origination points, some title fees). Others are fixed by the government or state law. Always request a Loan Estimate from your lender — they must provide it within 3 business days.