according to Bankrate.com            The highest amount on average is $4,944 for the closing of a $250,000 house with a $200,000 mortgage.  The increase  is because of stricter mortgage regulations that the government has implemented in the past 2years.  Mortgage closing costs include fees charged by those involved in the home-buying process, such as lenders, appraisers and title companies.  Bankrate found the highest closing costs are in New York state with $6,138 and the lowest are Arkansas at $3,378.