The following fees are based on a $100,000 home with an 80% loan. The fees may be higher or lower depending on the purchase price and terms of your loan.

• Loan fees. This includes loan origination fees or "points," and charges for the appraisal, checking your credit and processing your loan application. The total can add up to 3% of the amount you borrow.

• Private mortgage insurance. Determined based on the type and amount of loan taken out.

• Title insurance. Can range from a few hundred to over a thousand dollars, depending on the sale price of your home.

• Homeowners insurance. For an idea of prices in your area, contact the Florida Department of Insurance and click on "Insurance Rates."

• Property taxes. Usually 1.5% to 2% of the appraised value of your home as determined by the county property appraiser.

• Inspections. Based on purchase price and square footage, the range is $250 to $450 for home inspections, and $60 to $125 for termite inspections.

• Recording. There's a fee for recording the deed and mortgage for local public records. Typically you'll be charged for 10 to 12 pages at $6 for the first page plus $4.50 per each additional page.

• Document stamps on the deed. Some states charge a tax when property is transferred from one party to another. In Florida, the tax is $7 for every $1000 of the purchase price; i.e., $700 for a $100,000 home.

• Tax on mortgage. $5.50 for every $1000 of purchase price; i.e., $550 for a $100,000 home.

• Home warranty insurance. Covers repairs for individual parts of the home for a certain length of time. About $285 to $350.

• Initiation fees. Condominiums and homeowners associations often charge these fees. Costs vary depending on the property or neighborhood.