Better Homes and Gardens Real Estate/Town & Country
One other thing to discuss with your agent: Buyers sometimes ask Sellers to pay some or all of their closing costs. It is a negotiation point, like price, part of the overall offer. There are sometimes lender limits on how much the Seller can pay on behalf of the Buyer. Your Buyer Agent can help you structure such an offer.
Charlene gave you a good answer to start, I'll expand a little bit. There are closing costs paid by both buyer and seller in most transactions. A buyer can request in their offer that the Seller pay $X, toward buyers allowable closing costs if you are tight on cash. To the seller, it's the same as a discount.
Buyers closing costs are often around 2% of the purchase price. In addition to closing costs a buyer may have to pay "pre-paids." This would be pre-paying items like home owners insurance, taxes and interest on your loan for the remainder of the month after you close.
Your lender will break down all of these costs to you on a Good Faith Estimate when you apply for your loan.
Good luck with your purchase.
When you apply for a loan, your lender should give you a good faith estimate of the closing costs.
If you search on "sample HUD statement" you will find several links that will provide examples of HUD statements filled out.
If I can help, let me know.