Quick Q. Can closing costs be implemented into a loan?

[Patrick Crehan]

I need to know if I can implement my closing costs in with a loan. Is this even practical? Im new to real estate, getting closer to my savings goal for a property, and I want to know if I actually need a completely separate stack of cash for closing costs. It would be an FHA loan, orbiting a figure of 160k with 30 year payment. I would be looking around a 5.6k down payment. Is that all I have to worry about, or do I need to be cautious of a completely separate payment for closing costs? I need practical numbers here! I do not want to reach my goal and realize I need another 5k for closing costs.