We are in the process of getting an FHA loan for around 200k. No out of pocket expenses so far except for the fee for the inspection. There are about $3,000 in fees for this type of loan, but they are being worked into the mortgage. We paid $2,000 earnest money and need to bring about $5,000 to the closing table for the remaining down payment and that is it. Our seller is paying $6,000 in closing costs.