Typically closing costs are around 3% for the buyer. If you are buying, you can often negotiate that the seller pay up to 3% or 4% of the price of the home toward your closing costs. That should cover them, for the most part. Then the money out of pocket you will have will be your down payment, whatever that may be, your home inspection and possibly your termite inspection. The seller pays both real estate agents (the buyer's agent and the seller's agent) and other closing costs.
I know a great agent in Columbus, Ohio who could help you purchase a property, should you like to have representation. I'd be happy to give you his contact information.
Healthy Realty, Charleston SC