My LO sent me a document that said "prequalified" on top and "pre approved" in the body so I was really confused. The tension does not let up, in fact it gets worse. Wait until you have to start spending money you can't get back....so far I'm out $595 for a home inspection, $650 attorney's fees, $535 for my application fee and appraisal, and now $700 for a survey. If this loan falls throught I won't even have enough money to look for a cheaper house. I try not to think about it, haven't packed a single thing, and keep saying "If I get this house" when I discuss it with anyone. My closing is set for 37 days from now and I'm not sure I'm going to make it!
Starting Score: 597WOW 
Justrock. Yes those are a lot of fees. I was told I would only have to pay to have the house appraised and inspected. My paperwork makes it look like the attorney fees and application fees will all be rolled in the load or it may come from the down payment. I have not heard of a survey fee. If I had to pay all of those I would have to take a step back. I definitely am not prepared to pay fees like that. I'm not going to tell you to stop worrying because then I would not be practicing what I preach. I will say this. If that house is meant to be your's it will be. Try to stay positive. I haven't even told many people about my house just in case the deal or loan don't come through. You are not alone. I wish you all the best and good luck. Keep the faith. 
I'm trying to stay strong. My LO is fantastic and I am working with a local savings bank. She ran me through automated underwriting up front and I sailed through that. I don't think she would let all this money fly if there was a chance I would be declined. She held onto my check for the appraisal and application fee ($525) until my inspection was done. There was some minor concern that the well wasn't far enough from the septic to pass FHA but it just squeaked by -she didn't want me to lose another $525 if the deal fell through.
But like somebody said earlier in the thread- no relaxing until the moving truck is in the driveway!
@Score_Raiser_T wrote:WOW
Score_Raiser_T, it sounds like you have not been provided with your Good Faith Estimate (GFE) yet. Is that true? The application fee is part of your closing costs. Some/most lenders require the application fee to be paid up front and will credit you at closing for it because it is POC (paid outside of closing). The attorney fees are separate from your GFE. The survey fee is collected at closing and is part of your closing costs or it may be paid when the survey is ordered depending upon your title co or closing attorney's policy. It may NOT come from your down payment. The down payment is separate amount.
Closing costs can come from one of three sources: 1) the buyer 2) the seller and 3) the lender.
If the buyer (you) pay for your own costs then you are bringing that amount as disclosed on the GFE and the HUD1 to the closing table over and above your down payment.
If the seller is paying some or all of your closing costs then you would have to have that specific language in your purchase contract for a seller contribution and yes, it would be 'rolled up into your loan' that way. This is the only way it is included in the loan balance.
Last, if the lender pays some or all of your closing costs, then your interest rate is higher and you would need to have that specific discussion and agreement with your lender before the loan is approved through underwriting so the right documentation and figures are supplied to the underwriter to approve you.