If you are tight on cash or don't want to outlay a ton of cash, you have options.  The seller can contribute monies towards your closing costs based on a percentage allowable by your mortgage lender.  Typically, if you are doing a standard, conventional loan, this amount can be 3% of the sales price.  If you are going FHA, this can be 6% of the sales price.  Your closing cost encompass your mortgage fees, title insurance, taxes, transfer taxes plus other miscellaneous fees.  As an example, if you were buying a $300,000 house with a conventional loan, you could get the Seller (if they agreed) to contribute $9,000 towards your closing costs.  Keep in mind, in this scenario, that the Seller is really netting $291,000, when negotiating.  For further details, contact me today.