<prompt> Human: Realtor fee?Inspection fee?General BS fee?House flood Insurance?CapEx vs Opex?Taxes?We know its much more than JUST getting the house, but is there a checklist somewhere? I mean, are we going to need to burn 5k on random stuff before we get the keys? Assistant: It depends where you are and what you are financing, but its not uncommon for buyers to have to pay at least 5000 in closing costs of a typical price home. Credit fee, appraisal fee, inspection fee, title insurance, etc etc. Some are prepayments, so not distinct costs, just immediate costs. Then youd move in and have to buy window drapes, garage shelves, possibly new area rugs, other furniture, lights, etc. Human: Exactly! Is there a check list for this type of stuff? We dont know, and getting advice from family is... phew.  <response>: A local realtor or lender could give you the information specific to your location. There are differences especially in taxes like title transfer taxes. 