The lender must disclose a good faith estimate of all settlement costs. A check to cover your closing costs will probably have to be a cashier’s check. The title company will tell you the required amount for whichever of the following apply:

• Downpayment.
• Loan origination fees.
• Points, or loan discount fees.
• Appraisal fee.
• Credit report fee.
• Private mortgage insurance premium.
• Escrow for homeowners insurance.
• Property tax escrow.
• Deed recording fees.
• Title insurance policy premiums.
• Survey.
• Inspection fees for a home inspection.
• Notary fees.
• Prorations for property taxes, rents, etc.