Now assume you got a loan for $95K. The $104K price minus the $95K loan is $9K. You would have to bring $9K to the closing.
So your closing costs are $4K and the cash to close is $9K. Your attorney can explain it in further detail.
The information in this answer provided by Attorney Ranj Mohip is general information and is not intended as legal advice, nor does the attorney intend to create an attorney-client relationship with any reader by answering this question or otherwise contributing as a member of Trulia.com.
Yes, they are two separate things. Closing costs are the fees associated with taking out a mortgage. It is simply the "cost of doing business". Cash to close is the amount of money you need to bring to the closing, which will include your closing costs, any down payment, and escrows for property taxes and homeowners insurance. Your loan officer should be able to explain the differences to you and also provide a breakdown of the estimated total amount.
Your closig attorney or title company can easily gove you the amount you will need to bring to closing before your closing so you can get teh funds available and bring then in the form of a cashiers check. You can also ask your loan officer to get an estimate for you.
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