A number like that is hard to judge on its own, because a Loan Estimate lumps two very different things under "closing costs." One bucket is actual loan costs: lender fees, points, title, escrow. The other is prepaid items: property taxes, homeowners insurance, and prepaid interest that fund your escrow account and carry you to your first payment. The prepaids are money you would owe anyway, whether you financed the purchase or not. In a scenario like this, a 3% down payment alone runs close to $19,000 to $20,000. And on an FHA loan, the upfront mortgage insurance premium (calculated as a percentage of the base loan amount) often shows up as a closing-cost line; most borrowers finance it into the loan, though paying it in cash at closing is your option too. Either way, a big total doesn't automatically mean you're being overcharged. The way to know is to read the Loan Estimate section by section. Page 2 breaks out origination charges, services you can and cannot shop for, and prepaids and initial escrow separately. Compare the loan costs, the part the lender actually controls, against another written Loan Estimate, never a marketing sheet. For the fastest read, bring your actual numbers to the free Roadmap conversation and we'll tell you line by line what's a real cost and what's prepaid money moving into escrow.