Money Monday

Still waiting on those sellers... come on.... accept our offer! One point on which we find ourselves royally confused- closing costs. There are the bank's fees. There are the lawyer's fees. We seem to be told differently on whether or not the inspection, termite inspection, homeowner's insurance first year, and deposit are part of the closing costs or not. Our bank says their fees are about 900. The lawyer says the same. But we're supposed to ballpark 4000 for closing costs, so... what's the rest? Anyone?