Closing costs vary based on a number of factors including the lender, mortgage type, purchase contract, location, loan amount, etc. Closing costs usually include the following:

• Lender fees.  Your mortgage company may charge for expenses related to making the loan, including an appraisal fee, a credit report fee, origination points, and discount points.
• Third party fees.  Charges for services not provided by your lender often include the settlement fee, title insurance, and attorney’s fees. 
• Prepaid items.  Certain mortgage costs must be paid to your lender in advance. The most common of these are pre-paid interest, hazard insurance, and deposits to set up an escrow account.