Settlement or closing fee. This amount goes to the closing agent. Whether it is paid by the buyers or the sellers can be negotiated before the contract is signed.

Document preparation. An amorphous-sounding service, this is a final preparation of legal papers, for which you may also be charged. Be sure, however, that you are not paying twice for the same service. It might be included in the preparation of the mortgage.

Notary fee. This fee is paid to a licensed notary public to authenticate the execution of certain documents, where applicable.

Attorney's fee. If a lawyer is required by the lender, the fee will appear on the Uniform Settlement Statement. If you have engaged an attorney to represent you for this purchase, her charge will be a separate bill to you. Ask your attorney how it is being handled in your situation. This, too, is money due at the closing, no later.

Government recording and transfer fees. Charges for legally recording the new deed and mortgage are usually paid by the buyer. They are set by state and or local governments. Local government tax stamps may also be required, and they, too, carry a fee.

Survey. This is often required by the lender and paid by the buyer. You might be able to save a little money by updating the previous survey made when the seller bought the property. The size of the lot rarely changes, after all.

Termite inspection. Sometimes required by the lender, local custom, or law, this bill is usually paid to those rendering that service in advance of the closing, but you must show proof that the service has been provided.

Broker's commission. If you have made an agreement with a buyer's broker, his fee will be due at the closing. One expense you do not have to worry about is any other realty commission. Sellers pay the agent who sells their home.