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Budgeting for Closing Costs When Buying a Home

Before you buy a home, it’s important to plan ahead. While most buyers consider how much they need to save for a down payment, many are surprised by the closing costs they have to pay.
 

Plan Ahead!

To ensure you aren’t caught off guard when it’s time to close on your home, you need to understand what closing costs are and how much you should budget for.
 
 
People are sometimes surprised by closing costs because they don’t know what they are. Your closing costs are a collection of fees and payments involved with your transaction.
 
According to Freddie Mac, while they can vary by location and situation, closing costs typically include:
 
  • Government recording costs.
  • Appraisal fees Credit report fees.
  • Lender origination fees.
  • Title services.
  • Tax service fees.
  • Survey fees.
  • Attorney fees.
  • Underwriting Fees.
How much will you need to budget for closing costs? Understanding what closing costs include is important, but knowing what you’ll need to budget to cover them is critical, too. The costs are typically between 2% and 5% of the total purchase price of your home. If you’d like to discuss this more, send me a message!

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Born and raised in the peach state, I take pride in what I do and genuinely enjoy helping my clients. Let me be your go-to gal in real estate and help you personally through the process!