Where got so much.
The cost is just like buying from subsale property. You are paying the same thing.

10% as downpayment
5% as legal fees, stamp duty (assume no 1st home buyer waiver) and valuation fees

For newly completed property, be sure that the 1st owner bank already disburse out all money (especially the final 2.5% payment) to the developer.
Developer is still alive and active to avoid any delay in the later process.

Then that's it. There should not be any additional cost involve.

R U sure got such gila agent ? If client told him to bid till max RM1m, but the agent bid till RM1.2m, u think the client will want this over-priced property ?