3 Homebuying Costs First-Time Buyers Forget

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What you need to know

• Thinking you can afford a home because the mortgage payment fits your budget?
• [Show a home listing turning into a calculator with extra fees] That’s where a lot of buyers get surprised
• , buyers often pay lender fees, title insurance, inspections, and prepaid taxes or insurance

HOOK

Thinking you can afford a home because the mortgage payment fits your budget? [Show a home listing turning into a calculator with extra fees] That’s where a lot of buyers get surprised.

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KEY POINT 1

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First, there are closing costs. In the U.S., buyers often pay lender fees, title insurance, inspections, and prepaid taxes or insurance. [B-roll of closing documents and a pen signing papers] Ask your lender for a full loan estimate early.

KEY POINT 2

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Second, factor in ongoing maintenance. A roof leak, HVAC repair, or water heater replacement can hit fast. [B-roll of a leaking faucet, technician checking HVAC] A simple rule: set aside money every month for repairs, even in a new home.

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• The nine lines on your policy that actually control your premium
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