We paid out of the pocket. In fact we chose this lender as it had only one closing as opposed to 2 closings adding to the cost.

We had a closing on the interim construction portion and will have a closing on the final mortgage. I've read pros and cons to both methods, but we didn't have a choice anyway as the local banks and credit unions here only offer two closings. We also had the option to either pay our settlement fees up front at closing or roll them into the first draw of the loan.

Our bank offered it both ways, but we had to request it. We had a one time close.

We had a closing on the construction loan and we will have a closing on the mortgage loan. We had to pay the close on the construction loan upfront and our bank has said we can either pay the final close or roll it into loan.

We paid our interim construction loan closing costs in cash. We have several thousand in our savings account for unplanned costs for building the house. If we have enough cash by the end of it, we want to pay for the closing costs with that cash.