Another way to save money is to get a mortgage with a slightly higher interest rate in exchange for no option fee (typically 1% of the loan) and possibly other fees waved. With rates so low today, it would likely not effect your monthly payment a great deal.
As always, shopping for the best "terms" on a mortgage is a good idea. Different mortgages allow for different fees. Different lenders change different fees as well (Credit Unions are non-profit and do not upcharge any fees). Also shopping for insurance (a higher deductable helps), inspection fees and even getting bids for the moving company all can save money.
Finally, the sellers could pay for some of your closing cost (typically upto 3% of the sales price with lender permission), but you will likely pay a higher sales price as a trade off. It might be a good trade again considering the lower interest rates today.
Bernstein Realty, Inc.