All good answers. General Rule of thumb to estimate-closing costs and "pre-paids" not including your down payment run 5-6% of the Sale price, unless certain costs have been negotiated by one side or the other in your contract, if you are financing. Many of the costs are loan related, thus a cash deal would have lower closing costs.
Pre-paids could include your homeowners insurance, property taxes and HOA fees. Varying amounts will be included, according to you loan requirements.
This is one of the reasons it is good to sit down with a lender, discussed what funds you have available and get a good idea of what you can afford on a monthly basis to see what it will buy and then have your agent set up a search customized to your needs. Good luck.
Broker Associate GRI,CDM
Prudential Tropical Realty