There is another set of charges that are expenses associated with home ownership, not a home mortgage. These are prepaid items like property tax installments, homeowners insurance and other charges like HOA dues and flood insurance if applicable.
Closing costs are listed on the Good Faith Estimate (GFE) provided by the lender within three business days of a mortgage application. They should match the costs itemized on the final settlement statement, the HUD-1 form. If a mortgage lender’s charges exceed the estimated charges by more than allowed by law, the lender has to refund the excess to the borrower.