Every program will require an official transcript showing completion of your bachelors when you enroll. Many will accept scans of an official transcript for application purposes, so you may get away with only paying for two transcripts: one to scan, and one to send in when you enroll.
GRE tests are not required for most universities outside of the US. Most schools in the US will require at least the general test.
Many schools will waive application fees if you have financial need. I'm not sure if you could ask ETS to waive or reduce the GRE fees, but it could be worth looking into.