A home loan generally involves a litany of fees, including loan origination or underwriting fees, broker fees, and transaction, settlement, and closing costs. Lenders and brokers should be able to give you an estimate of its fees. Some of the fees are paid when you apply for a loan and others are paid at closing. In many cases, you can borrow the money to pay the fees as a part of your mortgage, though it will increase the costs of your home loan.