<prompt> Human: We are going to be purchasing a home in pittsburgh soon. We are going to pay for the house 100 upfront with our own money. Will that significantly lower our closing costs? All the closing costs calculators are based off of taking out loans, etc which I will not be doing.  <response>: The only thing you absolutely are not paying is the loan origination fees. That might save you somewhere around 1 of the value of the house but probably less than that. Youre probably still paying for the appraisal, inspection, survey, deed fees, agentlawyerwhatever fees, etc. Now, since you dont have a bank requiring you to do all those, you might be able to save some money by not doing an inspection. Hopefully you see how something like that is stupid. 