买房的隐性成本
Even if it's not your first time buying, budget extra and know fees can vary by area.
Saving for a down payment and getting pre-qualified for a mortgage are major financial milestones in the home-buying process. But t在这里 are more money-related matters to be aware of during the journey to home ownership.
Prepare yourself by budgeting for the other charges associated with buying a home. And even if you've bought before, be aware that costs may vary by state or region.
诚信保证金
也被称为保证金, this is a security deposit you'll make to prove your intent to buy the home. 这笔钱由产权公司持有. When you purchase the home, the funds are then applied toward the down payment. 尽管大多数购房者都知道这笔付款, what surprises them is that the check usually gets cashed right away. Also, keep in mind that you may not be able to recoup this money if you don't purchase the home.
验房费用
You'll learn a lot about the condition of the home you're about to buy with this thorough examination. Independent third-party inspectors give an honest opinion of what repairs might need to be done to the property. Some buyers might think they can save money by looking for the problems with their own eyes and not hiring an inspector. 这 could be a very costly mistake if problems show up after the purchase.
除了…之外 家里检查，你可以考虑 氡 检查和白蚁检查. 这 持证验房师名单 能帮你在附近找到一个有信誉的资源吗.
首付款成本
The amount you'll need for your down payment will vary depending on the size of home, 它的位置和你想要的抵押贷款类型. Some lenders may offer loan programs with low down payment options, but may require 抵押贷款pp王者电子官网, which will increase your total monthly obligation. 和你的贷款人讨论你的选择.
关闭成本
关闭成本 include certain fees involved in the home sale and mortgage transaction. According to Osby, they include, but are not limited to:
- 物业评估报告. Lenders require you to have a professional property appraisal done so they can determine how much money to loan you based on the appraiser's determination of the current market value of the home and mortgage program guidelines.
- 信用报告费;
- 防洪认证费;
- 承销费用,
- 产权pp王者电子官网,
- 发放费用,
- 记录费用,
- Application fee (some, but not all lenders charge this),
- 房主pp王者电子官网费,
- 房产税,
Fees can vary based on location, type of property, mortgage lender and loan product. Your real estate agent and lender can assist with an estimate of fees for your particular situation.
付款时间表
You also need to know when you're expected to make these payments. 奥斯比给出了一个大致的时间表:
- Good faith deposit: When you make a purchase contract offer on a property.
- Home inspection: Generally, within 10 days of an accepted purchase contract.
- Down payment and closing costs: Should be paid with certified funds at your closing appointment to finalize the transaction.
