DO YOU PAY FOR ANY CLOSING COSTS

You being the lender? or seller? or borrower? usually, the borrower is charged for costs associated with the transaction. You can get a list or summary of those from any lender you are considering. If you want a loan with no closing costs then usually the lender covers those transactional expenses by charging you a higher interest rate - closing costs, rate and points - one goes up, the others go down...

Completely varies by market and lender. Lender closing costs are negotiable. The bank fees are totally in their control and they can eat them if you have a great credit rating and negotiate. Other fees are paid to third parties and are required, the most expensive usually being the title insurance. The only way to not pay that is if the lender is giving you a "credit" for closing csost which usually means you paid a higher interest rate for the privilege and its rarely worth it. In some cases you can also negotiate a "closing credit" with the seller of a house to cover these.

Other closing costs, like the pro-rated interest for the partial month of the sale and partial period property taxes, etc. you will definitely have to pay unless, again, the eager seller offers it as an incentive for the sale. But you would need to negotiate that up-front at the sale and not near the closing.

Other costs vary by market. Some markets split title costs between buyers and sellers, some make it all the buyers responsibility, etc. Your agent should be able to tell you all this.