The terms of the contract is what will determine how much you will pay for your new home, when you will close and who will pay for what services. 
Each area of the country has different normal terms for real estate deals. Some areas the Seller pays everything; other areas the Seller pay for nothing. The type of loan you are getting also determines who can pay for what and often restricts or limits what can be charged and who is paying.
This is where you need to do your homework and find out what is normal for your area. Why agree to pay for everything if the Seller is willing to pay some of the closing costs and your loan program will allow it.
Again, a For-Sale-By-Owner is trying to make the most possible from their investment; so normally they will not offer to pay for closing costs and/or repairs. But with the right negotiations you may end up with a Seller paying some or all of the closing costs.
I am not saying stay away from For-sale-by-owners but I am saying be cautious and make sure you have a professional on your side. Negotiate for your best home & deal... be a happy home owner!
Good Luck with your new home purchase...
if you have any questions feel free to contact
Brenda Tressler
Click here for answers to your home buying/selling/financing questions.
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Brenda Tressler
Loan Officer
Integrity Mortgage Services
(931) 206-1907 Cell
(931) 905-6900 Office
brenda@imsiloans.com
"Let me be your friend in Financing"
Dale my Friend... It is always nice to see you visit my posts. Buyers need to make sure that they have 
;)
;)
Howdy Brenda
My friend
Home Buyers, sure do want to make sure they are worken with Professionals of each and every part of the home buyen deal.