Can closing costs be rolled into the loan?
Sometimes. On a refinance it's common; on a purchase you usually can't add them to the loan directly, but you can offset them with a seller concession or a lender credit. A lender will show you the cleanest route.
It depends. On a refinance, rolling closing costs into the new loan is common. On a purchase, you generally can't just add them to the loan amount — but there are two great workarounds.
First, a seller concession: negotiate for the seller to credit your costs in the offer. Second, a lender credit: the lender covers some costs in exchange for a slightly higher interest rate. Both reduce your out-of-pocket cash. A lender can show you the math, and I'll handle the negotiation side. We'll find the route that costs you the least overall.
This answer is general education, not legal, tax, or financial advice. Your situation is unique — let's talk through the specifics together.