How long after our home appraisal can we expect to close?

FHA loan: What is the shortest time? & What is the longest time? Half of our appraisal was done last week and because the seller didn't get the utilities on for 24 hours the rest was done yesterday. Also, What part of the closing costs and down payment fluctuates until locked in at closing? Seller is... show more FHA loan: What is the shortest time? & What is the longest time? Half of our appraisal was done last week and because the seller didn't get the utilities on for 24 hours the rest was done yesterday.

Also, What part of the closing costs and down payment fluctuates until locked in at closing?

Seller is paying 3500.00 of closing costs and we got a gift for 3.5% (2300.00) down payment. Our good faith estimate shows us paying beyond the 3.5%, which at the moment is 3108.00. Why do we have to bring so much to the table? what are the other fees considered? And why do they fluctuate? Which fees fluctuate?
Update: We are bringing 2300.00 to the table. That is 3.5% of the total cost of the house 65,000. Current expected payments are very low.
Update 2: I'm not sure where you got 25k. Average down payment is 10% of the total on a conventional loan. FHA standard is at minimum 3.5% + fees. I am just unsure of why these fees fluctuate up until closing.
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