On a refinance, assuming you have positive equity yes.
On a purchase however, you cannot finance closing costs and lender fees into a transaction as you don't have any equity in the property to cover those costs (which would be your money). The costs associated with the purchase would be paid for in one of three ways, or a combination of several:
1. as eluded to previously - a "seller concession" would allow you to apply funds towards "non reoccurring" costs (as the name implies, items that will not occur again and are one time associated with the service). *Keep in mind that "seller concessions" cannot be applied toward down payment however, only closing costs.
2. increasing the delivery rate via the lender - by increasing the rate delivered you can often cover much if not all of the costs associated with the transaction depending upon what the lender can provide (no all lenders offer rates with enough adjustments to cover the costs in full)
3. cash on hand - this would be in addition to your down payment
I hope that provides the clarity you need Bart. I'm not going to send you to my web page, if you desire my assistance you are welcome to reach me directly anytime.
Best of luck on your needs.
Yours to count on,