Almost everyone who buys a house needs to pay closing costs. Further, you will frequently be required to pay many of these costs in cash at closing. This means you will need to have money available to pay them. Some loans may allow you to add some of your closing costs to your mortgage amount when you buy a home. For example, if you are required to pay the VA funding fee that usually comes with a VA loan, you may be able to add the cost of this fee to your mortgage rather than paying it in cash at closing. How much you will need to pay in closing costs depends on the type of loan you have, your personal credit and finances, and other factors.