Lenders should provide you with a list of possible/probable closing costs.
Some costs will be optional and some will be necessary.
(Please note: when you choose an answer as a Best Answer, or at least give a thumbs up, it helps those who answer questions here.)
Home Inspection $300-600
Pest Inspection $125-250
Radon Inspection $75-150
Lead Pain Inspection ~$150
Other inspections I have seen include having contractors, engineers, etc. come out but these are not as typical as the above inspections.
The deposits & downpayment could also be considered a one time expense that will eventually be credited towards closing. Some first time buyers do not realize they need to have this money up front (at offer stage and at P&S... basically, well before closing) so I like to include that in my discussion of up front monies needed to purchase a home.
Another thing to note is that many lenders can offer rates that include them paying a portion of closing costs and/or a seller concession is quite common... both help to cover some closing costs and keep capital in the buyers pocket. I work with many veterans elgible for 100% financing and often the only money out of their pockets when purchasing a home is the inspections; they are credited back their deposits at closing due to the 0 down program and have had other costs covered by the bank or seller.
There are no tax amounts paid to the state on a purchase in MA by the buyer. Those are paid by the seller.
Closing costs are generally less than the 3-4% range here in MA. More in the 2% range depending on loan amount and purchase price. I would be more than happy to send you my "closing costs explained" document so you can be aware of all of those costs.
Closing costs as a buyer tend to be in the 3% - 4% range of the purchase price. A number of factors determine this but are not limited to mortgage payments, points if any, tax amount, attorney fees if any, escrow fees if any, insurance fees, survey/deed recording, etc. A good resource that I point all my clients to is a Closing Costs Calculator from Yahoo. Hopefully that will give you a better idea. Here is a link:
Good luck with your home purchase. If you are looking in Californnia, I envy you and the beautiful weather year-round!! Have fun and it was a pleasure speaking to you.