Typically in Lee County, the Seller pays the closing costs such as Owner's Title Insurance Policy, Title Search Fee, Closing Fee, and the Documentary Stamp Tax on Deed. The Buyer, if financing, typically pays for the intangible tax, tax on the note, and a small closing fee. There are other Endorsements, too that are usually paid by the buyer and required by the Lender. The property taxes are usually prorated. You should question your Loan Officer to explain to you in detail your GFE. If this is a foreclosure then the customary rules change. I would talk to your Realtor and your Loan Officer. They should be able to explain it to you. I like to use this link to get a rough estimate of closing costs http://www.sarasotaclosings.com/ClosingCostCalculator.shtml
(copy and paste in browser) It is not exact, but a good start.