The closing cost amount can vary from lender to lender and largely depends on whether the interest rate is being bought down with discount points. The closing costs are made up of lender fees and legal fees. In general the percentage of closing costs can range from one to six percent of the loan amount. The percentage being on the lower end for the larger loan amounts and larger percentages for the smaller loan amounts. Make sure to request a break down of the closing costs from the lender of choice and take the time to understand how the numbers are broken down.