It is all negotiable, you can negotiate with the lender to pay for your appraisal and / or some or all the closing costs..

You have to look at the numbers and determine whether it is a good idea to pay from your pocket, roll into the loan or take a slightly higher rate and have the lend pay for them..

Feel free to message me if you have questions about how it works..

PS: I am not soliciting for business, just trying to help fellow members with what I can...