I'm a self-funded searcher looking for feedback on how much out of pocket at minimum I'll actually need to close a smaller deal,

Here are my questions:

1. What deal costs can you and can you not roll into SBA financing?
2. What are people actually spending out of pocket to close smaller deals recently?
3. Am I missing any major costs categories from the list below?

Cost categories list:
1. QoE

2. Legal

3. Bank processing fee

4. Tax

5. Other transaction costs, including appraisals, escrow, etc.