11.   Closing costs can be financed.

12.   Closing costs and how long they plan to stay in the home are among factors in the equation.

13.   Consider, for example, a mortgage in which the lender pays the closing costs in exchange for a rate that is a half percent higher.

14.   Commissions, closing costs, and real-estate taxes are deductible when you sell a house.

15.   Consumers should take a hard look at closing costs such as appraisal fees, application fees, inspections and title insurance.

16.   Divide your estimated closing costs by your monthly savings on the new loan to see how many months it will take.

17.   Even if you opt for zero points, though, you need to stay put long enough to recoup closing costs.

18.   For example, he said, eager sellers can assist cash-poor buyers by contributing to the closing costs.

19.   Had the couple paid the closing costs at settlement, their rate would have been a quarter of a percentage point less.

20.   He noted that borrowers must also take into consideration closing costs of the new loan and determine whether the loan will be held long enough to recover those costs.