Christie Neal Realtor

05/10/2026

To all the mom's out there, not just today but everyday ❤️ You are super heros 🦸‍♀️

05/07/2026

Isn't that my job? 🤣 So grateful for these clients of mine ❤️

04/26/2026

Problem might be..."How can you get any work done with that view 🤣"

❤️ Where you work and live. PM me for details about this beautiful 5 acre property with 2 bed 1.5 bath + office and 25x40 workshop/garage for $769,000

04/20/2026

04/18/2026

Come check out these 5 acres of unlimited possibilities. 1834 E. Carson Mesa Rd. Palmdale, CA

Listed at $769,000

04/11/2026

https://my.matterport.com/show/?m=cyiz7UT8aNc

Escape the Crowds Without Leaving it All Behind

Imagine coming home to five pristine acres of high-desert beauty, where the air is clear, the stars are bright, and you have all the room you need to breathe. 1834 East Carson Mesa Road offers a rare lifestyle opportunity: a private, custom-built homestead that stays perfectly connected to the pulse of Los Angeles.

And don't forget about the 25' x 40' workshop/garage to house all the toys. 🏍️🚤🛻🐎

Come grab your Five acres of Freedom for $769,000. PM me with any questions and more details. 😊

Matterport 3D Showcase.

04/02/2026

IN ESCROW

Are you looking for vacant land, storage, horse property, ranch home or just a plain ole single family home 😉

I got you covered!

PM me with your wishlist 🏡 "Big or Small, Let's solve your real estate problem together"

03/25/2026

REAL ESTATE TRENDS

How Much Cash Do You Really Need to Buy a Home?

Turn Your New Job into A Financial Reset

Many people assume they need a large amount of cash to purchase a home, but the reality is often more flexible than they expect. The total cash you need depends on several factors, including the purchase price, your loan program, and whether you receive seller credits or down payment assistance.

Down Payment

Your down payment is the portion of the home's price you pay upfront. While 20% is often mentioned as a standard down payment, some loan programs allow as little as 10%, 3%, or even 0% down for qualified buyers.

Closing Costs

In addition to your down payment, you'll typically pay closing costs, which cover the various fees associated with your purchase. These costs often range from about 2% to 5% of the home's purchase price.

Seller Credits

During your purchase, you may be able to negotiate seller credits. This means the seller agrees to contribute toward your closing costs, which can reduce the amount of cash you need at closing.

Down Payment Assistance

You may also qualify for down payment assistance programs to help cover your down payment and closing costs. These programs are typically offered to eligible first-time homebuyers, low-to-moderate-income buyers, or other specific categories of buyers. Depending on the program, you may or may not need to repay the assistance.

The Bottom Line

While there's no simple formula to calculate how much cash you need to buy a home, the simple answer is that it may be less than you expect. By exploring different financing options and assistance programs, you may find that your next home purchase is well within reach.

If you'd like a personalized estimate of how much cash you need to buy a home and what purchase price you can afford, contact me to schedule a free consultation.

08/15/2025