Here is the breakdown of the different buyer side closing costs:
Due immediately once in escrow:
Earnest Money Deposit (3% of purchase price) Refundable.
Due at the time of closing:
Loan Origination Cost (~$3,000)
Loan Point (1 point loan = 1% of loan amount, no point loans have no points)
Buyer side escrow fee ($250 base + $1.75 per $1,000 of purchase price)
Lender title Insurance (None if all cash)
Prepaid Interest, Impounds for Property tax, and reserves, if required by the lender for the loan.
Proration on Property tax/ HOA Dues
Home Owners Insurance