Closing costs, including origination and title fees, can drive the cost of a home purchase higher than buyers anticipate, according to a new study released by Bankrate.com.

Nationwide, Texas has the highest closing costs at an average fee of $3,855 with New York City, Florida, San Francisco, and Oregon rounding out the top five.

Nevada is at the bottom of the closing cost list with an average fee of $2,276. Other states with the lowest closing costs are Kansas, Indiana, Maine, and Vermont.

Bankrate surveyed a Zip code in some of the largest cities in each state to ascertain the closing costs for a $200,000, 30-year fixed-rate mortgage for a borrower with a 20 percent down payment and good credit, closing on a single-family home. The total closing costs include lenders’ origination fees, title, and settlement fees. It doesn’t include taxes or prepaid items.

Source: Bankrate.com