There aren't too many hidden costs, since they are required to give you a breakdown of the closing costs prior to your closing (good faith estimate). Most people would also recommend hiring a real estate attorney (they usually charge a few hundred dollars and will perform a title search and review the paperwork before closing).
Off the top of my head, this is what was paid at my closing (I did not pay points):
- 3 months property taxes
- 2-3 months condo fees (reserve)
- 1-2 months mortgage interest (you won't be expected to make a payment for almost 2 months)
- appraisal fee
- title insurance
- attorney fee
- application fee
- inspection fee
To be on the safe side, have about 3-5% available for closing costs (although it will likely be closer to 3%). Hope that helps.
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