Some up-front costs include:
Typically ranges from 3-30% of the cost of the house. The more you can put down, the greater equity you will have in your home and the lower your monthly payment will be. For down payments less than 20% you may also need to pay mortgage insurance.
Typically range from 2-6% of the loan amount depending on your area.
Your housing costs can include the following: monthly mortgage payment, homeowners insurance, mortgage insurance, flood insurance (if applicable), property taxes (if applicable), utilities, maintenance.