There isn't a deposit to get the loan. If you find your "dream house" and you want to write a contract, there is something called earnest money that is a sum of money to show the seller you are a serious buyer. This money is put into a special account to hold until you close on the property and then it is deducted from the price of the property.
Other expenses before close would be a most important home inspection usually around $350 and you will also be responsible to pay for an appraisal to be sure the property you selected is assessed for the amount you are paying. This usually cost from $350-400. I hope this helps.
Any fees your lender is charging you should be able to be rolled into the loan. The only thing that is out of pocket is an appraisal, and sometimes you can have that rolled in too.
Best of luck to you.
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