Americorp Real Estate
Brokers Associate, e-PRO
If you're buying a home, get seller concessions negotiated into the contract so the seller pays for the closing costs. Make sure you choose a realtor who knows how to negotiate these properly! The only money you'll be responsible for is the down payment.
If you're refinancing, closing costs vary from lender to lender but should be anywhere from $1500 to $2000. If you want a lower interest rate, expect higher costs. If you want lower costs, expect a higher rate.
Hope I didn't confuse you. Good luck!