09/18/2026
Down payment is only part of the cash plan for a first-time buyer.
• Earnest money: funds you may need soon after your offer is accepted.
• Home inspection: helps you learn the home's condition before moving forward.
• Appraisal: your lender may require one to confirm value.
• Closing costs: lender fees, title work, and prepaid taxes or insurance.
• Move-in cushion: locks, utilities, small repairs, and basics add up quickly.
If you want help planning the full budget before you tour, we are happy to help.