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How can I save on closing costs when buying a home?
As a buyer, one of the easiest ways to save on closing costs is to avoid title insurance.  This will only apply if you are a cash buyer, as a mortgage writer will typically require title insurance.   It is also one of the most ill-advised ways to save money.  You need title insurance.   For the most part, there is really no way to truly save on closing costs.  Wrapping costs into a loan, saving on interest or taxes through timing don't truly save money.  Sometimes you can obtain discounts on closing by using an targeted lender, but that may cost you in higher interest rates.   By paying points on your loan, you may increase your costs at closing in order to save money on interest paid.   Certainly you can't discount required, government imposed fees (like doc stamps).   You may be able to shop around and find a bit lower fees for appraisal, credit reports, title company fees, and title insurance.  However, that is a lot of work for not a lot of return.  Title companies seem to be pretty tight lipped about their fees.   The best yield of your time is to get the other party in the transaction to pay your costs.  The market or local tradition may not allow this.  An additional way to lower your costs is to ask the realtors involved to discount their commissions.  However, they could always say "no".   The bottom line is transacting real estate is very expensive.