Clueless about home purchase process?

I am a first time home buyer and am unsure about the process. I understand I can work with an agent and they assist through the process, but I would like to get an idea of what to expect.

I am looking at homes in the 140-150k price range. When applying for a home mortgage can the application be for the total cost of the home with closing cost included? I just started my new job and my apartment lease is about to expire, I do not want to renew. I have about 4k in my savings at the moment. I was hoping to utilize the money for furnishing and basic immediate repairs.

Is it possible to apply for a mortgage considering the home’s value and closing costs included? (no down payment).

I do have a co-signer if needed.

Any thoughts are appreciated.

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