In addition to the down payment, buyers should budget for closing costs, inspections, appraisal fees, earnest money, moving expenses, and immediate repairs or improvements.
Depending on the property, there may also be HOA transfer fees, prepaid insurance, lender reserves, or costs related to a pool, solar system, septic system, or private well.
Your lender can estimate financing-related expenses, while I help identify property-specific costs so you can evaluate the full financial picture before making an offer.