There are a lot of factors that go into your closing costs...what type of mortgage are you getting...how much do you need to put down...how much are the taxes and insurance for the property, etc. If you are purchasing a foreclosure you may have to pay all the real estate transfer tax (usually split in half and paid by both Buyer & Seller), re-key fees, and other fees.
It sounds like you are trying to decide if this is the right time to buy a home. I'd be happy to help you evaluate your situation. I sell homes in the greater Wilkes-Barre are and surrounds and I NEVER charge Buyers a fee for my services. Ask me about the Luzerne County Growing Homeowners Initiative...if you qualify, it could help with your closing costs. Contact me any time.
Bryan L. Dodson
Licensed in PA.
Five Mountains Realty