You have already received several good answers. The only thing I would add is that lender rules govern which settlement expenses can be paid by the seller. This varies dramatically by the specific lender involved. Once your lender is selected, you can ask for a written list of any disallowed items.

Down payment is not considered a closing costs. Seller credit may go towards all closing costs and all prepaid items as long as you dont exceed your mortgage program's guidelines.The anwer below is 100% correct.

This one is pretty straightforward. You must have your own downpayment but that can also be a gift. DPA is dead using the sellers money but you can still use other gift money from other sources including of course your family. Anything else can be picked up by the seller, including points, prepaids and any additional closing costs such as an appraisal. You can buy with just the 3 % downpayment and nothing else at least in theory. Hope this helps. Please let me know if you have additional questions.
Thanks,

Down payment is not considered a closing costs. Seller credit may go towards all closing costs and all prepaid items as long as you dont exceed your mortgage program's guidelines. Typically 3% if you're only putting 5% down or less and 6% if you're putting at least 10% down. FHA will allow for up to 6%.

Talk with a Loan Officer to make sure you're squared away BEFORE you write the contract!