Financed VA funding fee or MIP
Most buyers choose to finance their VA or FHA fees rather than pay them in cash.

Origination Fee Paid to Lender
If you don't pay "points," you'll probably pay this fee. The more you pay, the lower your rate.

Discount Points Paid to Lender
A point is 1 percent of the loan amount. The interest rate goes down as points go up.

Appraisal Fee
Pays for appraiser's services; $150-$350.

Credit Report Fee
About $50.

Appraisal Review Fee
Shouldn't be charged unless you ask for a formal review.

Document Preparation
Considered a "garbage fee" because most documents are stored on computer. Have the lender waive it.

Processing Fee Paid to Lender
Also a garbage fee. Have the lender waive it and save up to $150.

Underwriting Fee
Another processing fee you should negotiate; usually $150-$300.

Courier Fees
Couriers charge up to $50 per trip; deliver documents yourself so you don't have to pay them.

Other
A catch-all category for expenses that don't fit neatly elsewhere. Make sure the charges are itemized and question any that don't seem reasonable.

Flood Certification
A fee to determine if you're in a flood zone; $50-$200.

Wire Transfer Fee
Charge for having funds wired or electronically transferred; about $25.

Warehouse Fee
Usually a garbage fee of about $200; ask for a waiver.

Inspection Fee
Most home-inspectors charge $150-$350. It's worth every penny.

VA Funding Fee
Ranges from 1 percent to 3 percent of the loan amount, depending on your down payment and other factors.

Settlement or Closing (Escrow Fee)
Can reach $1,000. Negotiate with the seller to split the cost.

Title Misc Fees
A catch-all category for unusual expenses incurred by the title company. These usually run less than $100.

Notary Fees
Notaries charge $10-$20 per document. May be waived if the lender has an in-house notary.

Lender's Title Insurance
You must pay $200-$400 for this insurance, even though it protects only the lender.

Owner's Title Insurance
Costs about $250 and protects your interest in the home. Not required, but worth buying.

Tax Service Fee
The meaning varies, but this fee involves checking property-tax records and runs $50 to $200.

Recording Fees
City or county charges for recording transaction-related documents. Usually totals about $50.

Transfer Tax
Local government's tax on the sale. Varies widely from county to county

Pest Inspection
Usually $75-$225. Shop around for the best price.