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Closing costs should not be intimidating or misunderstood.  They should be explained to the client at the beginning of the home buying or selling journey.  Of course closing costs are going to be different in each and every real estate transaction.  Each brokerage, state, city, title company, etc.. have different, if only slightly, taxes and fees.  As an agent, it is easy to estimate and get pretty close.  An itemized list is the easiest way.  This is the closing cost list in DC.
-Broker fee (if any)-paid to the brokerage for admin fees.
-Loan Origionation Fee- Paid to the Lender for admin and writing fees
-Flood Certification(if applicable)
-City or County File fee
-Daily interest Charges for the remainder of the month 
-Title Services and lender's title insurance
-Government Recording and Transfering Charges
-Transfer Taxes
-Additional Settlement Charges such as move in fee or up coming coop or condo fee and home warranty but that really should be covered by the seller. 
Closing costs can range from 4-6% for depending on the loan type, buyer credit, and down payment amount.
-Broker Fee (if any)
-Commission paid at settlement
-Settlement Fee, notary fee, UPS fee, wire payoff fee, wire proceeds ... more

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