It's important to have an ideal of the cost associated with your home purchase
Some will be out of pocket while others can be included in your home loan.
Out of Pocket
Down Payment - the amount will vary depending on the program and your qualifications but the amount will be due at closing. Usually deposits can be counted toward your down payment requirements.
Appraisal - cost for third party appraiser to determine value of home
Inspections - check condition of home and advise on remediation or repairs
Upfront fees - such as credit reports or lock in fees charges by a lender
Included in loan
Origination fees - set cost a lender charges to originate a loan
Points - cost charged in exchange for a lower than qualifying rate
Escrows - amount withheld monthly to pay taxes and insurance when due
Prepaids - amount collected upfront to pay prorated amount of current taxes and annual homeowners insurance premium
Program Charges - Certain programs will have an upfront fee included such FHA Upfront Mortgage Insurance Premium and VA Funding Fee
Lender fees - charges by lender for services such as processing or underwriting
Lender Credit - credit from lender in exchange for a higher than qualifying rate. Useful to offset closing cost or loan fees.
Closing Cost - of what is being charged in association of the loan including settlement/attorney/govt recording charges minus any credits or concession
It doesn't matter what the loan fee is called it still is being financed into you home loan.
Review your paperwork
To know what you are paying for and what is actually being charged. Different banks will have different charges, fees, and amounts included in their offer. Pay attention and review your loan estimate. It doesn't matter what the loan fee is called it still is being financed into you home loan.