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

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

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Mortgage Force (203) 270-6252