NO. Closing costs are different than prepaids. Closing costs can include: Lender Fees, Title Fees, Transfer Fees, Lawyer costs, Title Insurance, and more. To get your closing cost numbers you will need to talk with both your lender and your title or escrow company. Some of these amounts are fixed, and some are negotiable. Fixed closing costs are the title or transfer fees. Adjustable closing costs can include the Lender and Lawyer costs. It is important to learn which are negotiable and which cannot be changed.