My wife and I just put a purchase offer in on a house and the seller accepted our offer. Now the "closing". Due to a 620 dollar monthly bill for child care (which we will soon eliminate), we are short of savings. We also have our current house to sell and will make enough to pay our monthly mortgage once we sell it on a land contract. My question is what kind of things should we look for in the closing- should we include closing costs, lawyer fees etc. in the total amount borrowed or would we be better off writing ourselves a home equity loan to cover these costs. What kind of tricks is the bank going to use to get more money out of us. I am very naive and have only bought 3 places in the past- all on a land contract. Any help greatly appreciated.