In general you have everything about right. What you are missing are the lenders fees with regards to origination charges, prepaid points etc…
When you get your good faith estimate those amounts should be on there.
Inspections vary with the size of the home. If you are talking a 900k home that is around 3500 sf then you are looking at 450-600 for a good home inspection. Appraisal will run 350 – 450.
You can call any escrow company to get an estimate for escrow, title insurance, recording charges. In general the cost for escrow and the title insurance will grow with the cost of the transaction. I don’t want to say it will be exactly x% of the cost. It takes two minutes to call an escrow company and get an estimate for those items.
Also don’t forget that you will also pay some recurring fees at closing such as homeowners insurance and some property taxes as well.
However with regards to non recurring expenses you got most of them. If you want to do secondary inspections like spore testing for mold, or more intrusive HVAC inspections or having someone come out and scope the drains then estimate a few hundred for each of those tests.
