Closing costs are almost impossible to nail down to the penny... give yourself a little extra cushion there, and make sure you find a good mortgage agent,
+1. A good broker is imperative, and can save you tons of money. I've never once bought a house and been spot on with the closing costs. Seems like, same with weddings, somebody's always trying to get their cut and throwing in some bullshit fee at the last second ... when they've got you by the short hairs.