Just when you think the hard part of buying a home is over, you're hit with a laundry list of closing costs that can make you wish you were just a plain old renter again. Unless you know what these costs are for, they can make you feel like you're browsing through an overly-complicated phone bill--you see these extra fees tacked on but have no idea where they come from. Although fees may vary according to your situation (such as whether you're buying a house or condominium, for example), here's a list of some of the fees you might expect to pay, and what they actually entail: Down Payment This money goes toward the purchase of your home. Deposit/Earnest Money The fee generally paid when you make an offer on a piece of property to prove your intent to make a contract. Points Charged by Lender Each point represents one percent of the mortgage balance. Buyers can also pay discount points as a way to reduce their interest rates. Loan Origination Fee This fee covers the cost of processing the loan. Credit Reports Covers the cost of getting a buyer's credit history. Appraisal Fees Covers the cost of having an appraiser place a value on the property. Survey Fee Ensures that property lines are clearly marked. Property Inspection Fees Inspection for pests or to make sure the property meets all building codes. Attorneys Fees Fees that cover the costs of an attorney to close the deal. Title Search Fee to make sure there was no problem with the deed or property ownership.