There’s no one-size-fits-all answer to that question, so you’ll need to take a look at the good faith estimate (GFE) provided by your lender to find out. This document includes the cost of the home as well as any fees and other charges related to your transaction. It will tell you what your closing costs are. (Not sure how to read your GFE? Please ask!)
You can’t walk into your closing with a personal check written for your closing costs, so you’ll need to plan ahead. Closing costs are typically paid via cashier’s check, certified check, or wire transfer.