What are closing costs?
Closing costs are the fees to complete the purchase and loan: lender fees, appraisal, title insurance, recording fees, transfer taxes in some states, and prepaid tax and insurance. They often total 2% to 5% of the loan. ListingCraft for Buyers estimates them as part of your cash to close.
Your lender's Loan Estimate lists them within three business days of applying, and the Closing Disclosure shows the final amounts at least three business days before closing.