There's a lot of variables involved in determining closing costs. Property taxes is a major one, esepcially in today's market where homes are selling well below the value their taxes where originally based on and still remain.
That said: For FHA, your closing costs are typically 6-8% of the home's negotiated sell's price. This is separate and apart from your 3.5% down payment.
Talk to a lender. They generally don't bite!
They will guide you through the process - without any pressure.
FHA mortgage guidelines allow you to put down as little as 3.5%. These funds can come from your own savings, they can be gifted from a blood relative, and in some cases there are grants such as the MSHDA down payment assistance program to help you out with that.
In addition to the down payment, you'll need money set aside for closing costs (probably anywhere from $1500-$3000 or so) and about a year or so worth of taxes and insurance (to fund your escrow account and re-imburse the seller for taxes that have been pre-paid for you). Again, this money can come from your own funds or a gift, and the seller can even contribute up to 6% of the purchase price towards your closing cost and escrows.
Be aware that pretty much any new funds showing up in your bank account must be sourced, meaning you need to document where they came from. It's easy enough to document payroll deposits if you have automatic deposit as most folks do. But if you have any other deposits that show up be prepared to show where they came from.
On a side note, FHA just yesterday released a letter saying,among other things, that they will now require at least a 580 credit score to qualify for the 3.5% down program, and also that they will be reducing the allowable seller contributions from 6% to 3%. This is not kicking in immediately, but it sounds like it could start as soon as February.
With that being said, you should definitely speak to a local, reputable lender as soon as possible to find out what you qualify for and so you can set up a game plan. If I can be of assistance to you please don't hesitate to call me at 313-622-7383 or drop me an email. I work in the Farmington area and have an office in Livonia and would love to help you out.