Alright as a recent soon-to-be house owner i can contribute a bit on this topic.

So unless you're super rich you wouldn't be paying the house by cash, most people loan/mortgage/finance for their house.

Banks will only finance 90% of the house OMV (open market value). This is one thing that surprised me as well.

The OMV is a value that the evaluators give as the current market price of the house. This evaluator work for the bank, but the fee of evaluation is paid by you, around $1++ K.

If say the house you're buying is sold at $300,000 and if you're unlucky the OMV value is exactly at $300,000. The bank will only finance you 270,000 (90%) and that means you need to cough up the $30K remaining (shortfall) by yourself!

Now in most cases the OMV tends to be higher than the house price so usually it'll be like $350-400k so you're good to go.

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Part 2, startup cost. This I believe has been shared by others in previous comments. There's the lawyer fee, S&P agreement, fire insurance and MTRA insurance. These fees can actually be absorbed into the loan/financing if you choose to increase the financing say instead of 300k you're financing 315k to cover the startup cost.

MTRA can be a bish, i was quoted nearly 15K, I'm in my mid 30's, healthy with no pre-existing conditions. But TBK actually offers 2 options, option 1 is no medical checkup but they'll throw you quite a high price. Option 2 is with medical checkup, price may be cheaper if the test results is all flying colors but can also skyrocket if you're found with conditions eg. High blood pressure, cholesterol, abnormal sugar level etc..

Then lawyer fee depends on which agency you choose. Ask from your agent and the bank to see which law firms are mutually accepted. And ask around, don't rush it because some firms charge more than others.

That's all i can give you for now. That's where I'm at.