Capital required at closing? Closing costs, taxes, etc.

[Eric P.]

I bought my primary home 2 years ago and I just cant remember all that's required.

We're looking at houses around $100k-$125k, I'm estimating everything high so 5% for closing costs, I've factored inspection cost, 15% down payment (found a lender).  

Are real estate taxes required up front?  Any other cash layouts I'm forgetting?  

We also have a 6 month emergency fund for the property and a little extra for repairs and surprises once we're in.  

On a $100k place I'm estimating needing about $30,000 cash on hand:  $15,000 for down payment, $5,000 emergency fund, $5,000 closing costs, $5,000 repairs/surprises...