You mentioned water in both posts. Usually there should be a zero water balance when the buyer gets the home. The bank addendums might say something else. Read the contract to find out.
I'm sorry this experience has been so distasteful for you. It is your lenders responsibility to explain all of the costs involved in purchasing a home. If you needed more money then you had your agent could have asked for sellers concessions in the purchase agreement to assist with closing costs. You will have to read your purchase agreement to see if you would have to forfeit your earnest money deposit. If you can not qualify for the mortgage because you don't have the funds to close there may be an issue there as to whether you would lose your deposit. I would advise you talk to a Real Estate attorney and/or the agents broker to get this explained.
Karen Paytas, GRI, CMS
Real Living Kee Realty
Seems to me the mortgage person would of told you about the mortgage, taxes and insurance and those items would of come up from the very beginning. Also your agent should of given you an idea what the closing cost were going to be. Did you work with a Realtor? That seems strange that they would tell you there are no closing cost. Read the contract in full to see what the provisions are for walking away, but you probably will lose your EMD. Do speak to the agents Broker and try to work something out.
There are other things you could of done when writing the offer to get the closing cost taken care of.
Sorry, this is not the norm.
As Tim stated, lenders are held to a standard and they must provide to you your estimated closing cost. Some loans will not allow anyone else to pay for re-curing cost, such as your taxes, etc. Yes, meet with the Broker and the Lender to see how this is going to be resolved.