I would combine the Survey Fee and Application fee and round up to about $900 for admin/lender fee. There could be added costs if you choose to impound your taxes & insurance. Lenders require a few months of each to set that account up. I say budget about $8,000-$10,000 in closing costs depending on price of home. There are some great programs that can help with down payment and closing costs. Let me get you in touch with those lenders. With rents as high as they have been, you might be better off Owning…I know you will!!
There are programs out there offering down payment assistance and closing costs assistance. The cash to close seems to be the biggest hurdle….NOT the payment. Therefore don’t rule out Home Ownership. Great article to check out: https://themreport.com/daily-dose/12-11-2018/achieving-homeownership