The down payment is usually the most talked-about up-front cost of buying a home, and while it’s usually significant, it’s not the only cost you’ll need to prep for as a home buyer. If you’re taking out a mortgage loan, you’ll also need to pay closing costs — a long list of fees and charges that compensate your lender, appraiser, and other professionals involved in the process. The exact fees you’ll pay will depend on many factors, including what type of mortgage loan you choose. Here’s what to expect for ...