There may be closing costs customary or unique to a certain locality, but closing costs are usually made up of the following:

*Attorney's or escrow fees (yours and your lender's if applicable)
*Property taxes (to cover tax period to date)
*Interest (paid from date of closing to 30 days before first monthly payment)
*Loan origination fee (covers lender's administrative costs)
*Recording fees
*Survey fee
*First premium of mortgage insurance (if applicable)
*Title insurance (yours and your lender's)
*Loan discount points
*First payment to escrow account for future real estate taxes and insurance
*Paid receipt for homeowner's insurance policy (and fire and flood insurance if applicable)
*Any documentation preparation fees