Paid to a licensed inspector for inspecting your property for defects, potential problem spots and needed repairs prior to the final sale. Paid at the time of the inspection, not at closing.

Must be purchased prior to closing. Insurance companies typically charge the first year's premium up-front. Subsequent premiums are then factored into your monthly mortgage payments.

Paid to the lender to cover the expenses incurred in processing and providing the loan.

Paid to an appraiser for appraising the value of the property, in conjunction with the mortgage application process.

Paid to a credit bureau on behalf of your lender to obtain a copy of your credit report to help determine your credit worthiness.

Paid to determine whether or not your property lies within a flood zone.

Paid to the lender as part of the mortgage approval process.

Paid to the lender to cover any interest on the loan from the closing date to the beginning of the next calendar month.

Paid to the city and/or county, but only if taxes are due and unpaid at the time of closing. Taxes are prorated, and the amount the seller owes is deducted from the seller's proceeds and credited to the purchaser to cover the tax bill when it comes due. Subsequent property tax costs will be factored into your monthly mortgage payments.