If paying your closing costs in addition to your down payment means that you'll have no savings left, it will keep some cash in your pocket for now. (sensetosave.com)
You can also take some annual cash flow in addition to the down payment top knock it down further. (biggerpockets.com)
In addition to the down payment funds, you will need closing cost funds (typically 2 or 3 percent of the home price) and cash for moving. (mortgageloanplace.com)