[Templar]

Bought my house last year. No closing costs paid, no fees paid, nothing due at closing. I got the lowest interest rate available at the time. It's mostly based on credit history, so if you have good credit you should get the lowest rate. They are usually pretty solid on that, as they do an extensive credit check, so you likely won't get them to budge on that.

The only thing I did have to pay was a "good faith" fee of $500 basically saying that I wasn't going to back out of the deal as the sale was pending. I got that back from the real estate agent when I closed. I think that was more of a company policy though, not sure.

In fact, I got my yard fenced in with a privacy fence and a refrigerator out of the deal at the end. When moving in, the only thing I needed to purchase was a washer/dryer set since I didn't have one in my old apartment.