Lender origination charges 1500 points 1300 so $2,800 lender fees
Origination charges $2500
If you don't put 20% down then you will need insurance that's high but paid monthly as part of your principal and interest payment.
You should figure $5,000 to $5,500
Go to a bank and get pre approved for a mortgage amount then go shopping otherwise your wasting time and in today's market nobody will be interested and any offer you make subject to financing will lose if multi offers are placed.