Closing costs depend on a number of factors, including the purchase price, type of property, and location, but there are common costs to expect. Lender fees can include origination, application, and appraisal fees. A title search will be done to verify that the seller has a clear title, and title insurance may be required to protect against any title defects. Escrow is responsible for handling the closing process and ensuring that all documents are signed and funds transferred, so expect fees. Recording fees are charged by the county to record the transfer of ownership. Inspection fees can include home, mold, and termite inspections. If the property is part of an association, you will have pro-rated HOA fees and a pre-payment for the following month.