Typical Estimated Closing Costs for a Buyer
(Conventional Loan)

Credit Report	$65 paid "up front," prior to closing with loan origination.
Appraisal	$325, paid prior to closing
Inspections (Structural and Mechanical, plus Wood Destroying Insects)	$300, usually paid before closing
Down Payment	5% or more (20% or more down payment eliminates your paying Private Mortgage Insurance!)
Title Company and Loan Company charges (Legal fees, courier, deed restrictions, etc.)	$1700, estimated
Administrative Fees	$300
Loan Origination Fee	1% of loan amount

Charges to set up your escrow account:
Hazard insurance	14 months (cheaper in Montgomery County than Harris County!)
Tax deposit	3 months
Prorated amount for Association dues	Based on area and closing date

(Note: With more than 20% down payment, you may choose to budget for taxes and insurance yourself, rather than through your mortgage payments. There will be a charge for this at closing.)