The offer you present to the seller will include a section indicating who pays for what.  There are typical "seller cost" and typical "buyer cost" in a transaction.  These are not set in stone, but the seller pays for the items associated with his part of the transaction; i.e., title insurance, prorated taxes, prorated interest, title binder, etc.  The buyer typically pays for the items associated with his part of the transaction;, i.e., the costs the lender charges for the mortgage, the homeowners insurance, the costs of recording the deeds and mortgage, etc.

If you are short on cash, sometimes the seller will pay part of your closing costs.  You may be asked to pay a little more for the home in order to help with your costs.  Anything can be negotiated between buyer and seller.