You should contact a local lender and/or a buyers agent who can recommend an agent. They can best answer you questions.
If you would like the assistance of a buyers agent I would be happy to assist you.
Real Living Kee Realty
There are a lot of variables in your questions. You need 2 things, A good Loan officer & a good buyers agent. A good loan officer will explain different types of loans available & the costs involved.
A big portion of the closing costs are taxes. That will vary with the house & location of the home.
A good Buyers agent will explain the home buying process & help you every step of the way.
I do buyers, no obligation consultations. so do alot of other agents. Find one you can work with & trust.
You left to many facts OUT of the question to answer it correctly. What are the taxes on the home,? Are you buying down the rate? Did you ask for and receive concessions?
These are questions that your lender can estimate more accurately than we can out here. You should contact your lender for these answers.