Who pays the closing cost? It can come from the buyer(including gifts), seller or lender(raise interest rate so you actually pay over long haul.) or any combination of those. Most of my clients do lender paid closing cost.
Good Example of 270k conventional loan:
Underwriting $799(This varies from $0 - $1,995 depending on the lender), appraisal $400-500, Credit report $21.50, Misc 3rd party lender fees $100, escrow/Title $1,900, prepaid expenses (Taxes, ins, interest) $2,100. Other cost can include septic cert, roof cert, Home warranty, Pest inspection, home inspection.
C2 Financial Corp.
NMLS 279056, BRE 01438387