At the time of your mortgage application, you will receive a Loan Estimate – a federally required notice that provides details of the cost of obtaining a mortgage loan and the terms of the mortgage loan for which you have applied.
A few days before closing, you'll get a detailed Closing Disclosure that breaks down the total and final closing costs. This allows you to gather your funds and confirm the details of your loan. You'll know the exact amount you need to bring to closing.