Even before closing, there are costs many first-time buyers don’t anticipate. Budgeting early helps prevent last-minute stress.
Tip: Ask your lender for a worst-case fee worksheet and build a small buffer (often 1–2% of price) for unknowns.
Closing costs vary by lender and location. Get quotes early and compare line items, not just the advertised rate.
Review your Loan Estimate and Closing Disclosure side-by-side. Ask your lender to explain any changes.
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*Informational only; not legal, tax, or financial advice. Program availability and credits vary by market, lender, and contract terms.
Upfront items that add up
Closing costs to watch closely
Lender & title fees
Prepaids & escrows
Ways to offset or reduce costs