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This discussion i found it pretty stupid, seems that people forgot about something that is called TALK... legally if you dont sign a contract that says you own the psds is the designer who owns them... But the most easy is TALK before you get a agreement. Just TALKwith the designer about what u need, and what he is going to provide you. And if you are interested the you found your designer if not look for another.
About fonts, well if you allow the designer to use commercial fonts, then if u want the fonts you have to pay for them. So the end price of the design should be work done + fonts + (other resources used like stock photo if needed)... But again TALK with your designer before any work and you will be more happy
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