Dean is correct in his response, however most offers are written requesting that the seller pay the buyers closing costs..Also use a realtor that will represent you as a buyers agent, looking out for your interests.
Are you still in the market to Purchase or Refinance a home? If so, I would love to see if we can help you out. Closing costs on a 200k home are about 2% to 2.5%. ( about 4k to 5k and includes insurance and escrow) At Goldstar we can do loans down to 600 Credit Score. We also don't need 3 trade lines like many banks require. I would like to see if I can help you out with a home mortgage. I will try and make this a very easy process. Please let me know how to help out.
MN District Branch Manager
NMLS # 387408
Gold Star Financial Group
What you may want to consider is where you are getting your mortgage:
1) If you get it from a bank, like Chase or Wells Fargo, you may not have an option for them paying any of your cost, (however they may)
2) If you go with a mortgage broker, they have to disclose what they call YSP (yield spread premium) this is what the brokerage itself makes from the lender, for doing your mortgage.
Each broker has a set margin with their lender(s) and anything above this margin is credited back to the borrower in the form of closing cost / pre paid assistance.
That is why, often times you can get most of your cost paid for by going with a broker.