These fall into three categories: lender charges, third-party charges, and prepaid items.

.  A landlord must pay interest each year on security deposits (eff. 11-6-86) and prepaid rent (eff. 1-1-92) held more than six months.  The rate of interest that a landlord must pay is set each year by the City Comptroller (eff. 7-1-97)  Before a landlord can deduct expenses for damages from the security deposit, the landlord must provide the tenant with an itemized statement of the damageswithin 30 days of the date the tenant vacates the dwelling unit. 

@Patrick J Pittius- thanks ....check to see if there are  some down payment assistnace  programs in your area and  see if you qualify for any  ( often the income needs to be below the county median income )  .....there are conventional loans that  allow 3% down   ( you have 2% right now )  ....you can ask realtors / sellers to provide a  credit you can use to  cover the loan fees/ closing costs and prepaid taxes and insurance ....you can  use  gift  moeny from realtives  in many cases  ...some programs  dont require any payment  reserves   or just a few months of  reserves  ...if you are pre approved -  brainstorm with your agent and loan officer ...if you arent pre approved - get pre approved 

I believe you can do prepaid credit cards through your bank, but that involves paying interest on your own money or something daft iirc.As for the immigration process, it doesn't take into account credit ratings or score or bad debt from your home country.

Finally, get estoppel letters signed by tenants and current owner so the tenant cant give you some unknown story about how they pre-paid rent for the whole lease and its not their fault the old owner didn't give you the money.

One of many Examples: Prepaid expenses (insurance) paid at the beginning of the year.

can you do a one year prepaid?

@Garrett Gattonyes - as  credit  towards loan fees/  closing costs and  prepaids  on residential  transactions - Dave 

Do I even capitalize the property taxes that I paid to the seller who in turn had prepaid them?

The con to delayed financing is that you can ONLY borrow up to what you paid for the property plus closing costs/pre-paids.