Your question does not provide enough information to be properly answered. If you are going to have a mortgage, your closing costs can include lenders title insurance, appraisal, credit report, commitment fee, processing fee, underwriting fee, escrows, prepaids expenses and a myriad of other lender fees. These fees can range from $0 to $2800. The way they equal "0" is because the lender can charge a rate that is higher by 1/4 to 1/2 on the rate and use the "extra points" to be applied to your closing costs.
If you do not have a mortgage, you will pay for 1/2 of the seller's title commitment fee, your attorney, and you should still hire an appraiser and a home inspector to get expert opinions of value and condition and proper legal representation.
You should also know that you will receive credits from the seller for real estate taxes that, depending upon the time of year and the county, will more than cover your out of pocket expenses beyond your down payment and earnest money. This is because, in Illinois, taxes are paid in arrears...2013 taxes are not due and payable until 2014, so the seller must give you credit for the time that they owned the property, up to and including the date of closing.
Just a note...a "no point and no closing cost" 30-year loan is a horrible waste of money, if you intend to keep the loan for more than five years. You will be paying a higher rate for as long as you keep the mortgage and it will cost you dearly over the life of the amortization of the loan.
The down payment on your loan and closing costs (2-4% of loan amount) are what you have to bring to the closing table unless you can get a seller to cover your closing costs.
Please call me at 708-262-4506 for more information or with any questions or if you want to setup some property tours.
We just did a video blog on this the other day, which you can find in the link below. If you have any additional questions, feel free to send us an email and we would be more than happy to answer them for you.