The estimated gross costs of buying will include the total amount of every dollar that a person would need to spend in order to purchase a home. This term refers to the cost of the home as well as the closing costs, insurance costs, origination fee and any incidental costs that a buyer might incur. This figure is one that buyers will want to know before deciding whether buying a home is a reasonable decision for their budget. The term gross refers to the total costs before any sort of savings or discounts are deducted. In some cases, the purchase can end up being cheaper after buyers take advantage of these important discounts. The estimated gross costs of buying are very inexact. Buyers often operate with an understanding that there may be further costs incurred during the course of the process.