down payment

Are you familiar with the lender fees worksheet?

The Lender Fees Worksheet provides a detailed breakdown of the up-front closing costs and expenses associated with a mortgage. The Lender Fees Worksheet also includes estimated total monthly housing expense including your mortgage payment, property taxes, homeowner's insurance and other applicable housing-related expenses. To give yourself a clear understanding,ask for the Lender Fees Worksheet when you submit your loan application or request a mortgage proposal.

How much money will you have to come up with to buy a home? Read below to find out

Well, that depends on a number of factors, including the cost of the house and the type of mortgage you get. In general, you need to come up with enough money to cover three costs: earnest money - the deposit you make on the home when you submit your offer, to prove to the seller that you are serious about wanting to buy the house; the down payment, a percentage of the cost of the home that you must pay when you go to settlement; and closing costs, the costs associated with processing the paperwork to buy a house.

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