Saving for a down payment can be one of the biggest hurdles on the road to homeownership. And once you have that down payment set aside, you might think that you have all the cash you need to successfully buy your home.

However, that’s not entirely true. In addition to your down payment, you’ll also need money to cover your closing costs.

But what, exactly, are the costs you need to save for, even after you’ve got your down payment covered? A recent article from realtor.com outlined common closing costs you’ll need to cover when buying a home, including:

Inspection and appraisal fees. If you’re buying your home with a mortgage, you’ll need to get an appraisal. Also, whether you’re buying your home with a mortgage or not, you should also get a home inspection. Make sure to set aside money to cover the fees for both.

Discount points. Buying discount points is a great way to lower the rate on your mortgage and save money in the long run. But you’ll have to pay to buy those discount points at closing, so it’s important to understand the costs before you arrive at the closing table.

Home insurance. Your home is one of the biggest investments (if not the biggest investment) you’ll ever make in your life, so you’ll need to secure home insurance before closing. The good news? There are tons of different insurance companies, agencies, and policies available, so if you do some research and shop around, you should be able to find coverage and a rate that works with your budget.

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