Closing costs are the fees for services, taxes or special interest charges that surround the purchase of a home. They include upfront loan points, title insurance, escrow or closing day charges, document fees, prepaid interest and property taxes. Unless, these charges are rolled into the loan, they must be paid when the home is closed.
What size do you need? Many experienced carpenters use a 16 oz. claw hammer for most jobs, but also carry a 20 or 22 oz. framing hammer for their heavier nailing jobs requiring big spikes. For lighter work, a 13 oz. curved claw hammer can be useful. Even a 7 oz. hammer will come in handy for smaller jobs like making picture frames.