Shadowing-Übung: HOW MUCH Does A HOUSE REALLY COST? // HIDDEN FEES of Buying a Home - Englisch Sprechen Lernen mit YouTube

So you're thinking about buying a house,

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So you're thinking about buying a house,

but you're completely overwhelmed and intimidated because you don't know how much it actually costs you.

You hear all these big terms like down payment,

closing costs, you think about hidden fees there could be that no one's telling you about.

So what is the scoop and how much does buying a house actually cost you?

That is what we're going to be talking about today.

So as always, before I get into things,

I want to encourage you to subscribe to our channel give us some thumbs up

and just give us some feedback on what you want to hear

because that's how we make videos

and how we learn what you want to hear about all

right let's get into it how much does it actually cost

you out of pocket to buy a house of course with most things there's no easy black

and white answer this answer will definitely vary depending on your loan type the price of your home

that you're buying the size of the home that you're buying, things like that.

So do keep that in mind as I go along with this.

So I will start at our highest out-of-pocket expense

and kind of work our way down to these smaller things that you may not be thinking about.

But obviously your biggest out-of-pocket expense is the thing everyone knows about and that is your down payment.

And like mentioned before, that will vary depending on your loan type.

There are loans that have a no down payment,

which is your RD loan, your VA loan.

And then you have other loan types

that have a minimum down payment of three

and a half percent for your fha loans

and then a conventional loan is a minimum of three to five percent depending on stipulations like

if you're a first-time home buyer or not obviously you can voluntarily put more down

or your loan may require you to put more down to

get your debt to income ratio down some that's getting into a can of worms But you can put 10% down,

20% down to avoid PMI.

But either way, that is probably going to be your biggest,

depending on your loan type, out-of-pocket expense to expect.

Your next out-of-pocket expense could also be your biggest,

depending on your loan type,

but it's your closing costs.

And that is a vague term that not many people know about going into buying a house.

That's why it's good to sit down with a lender beforehand to know all of these things.

But your closing costs have a breakdown of some title work,

your loan origination fees, It also includes your prepaid,

which is your property taxes and insurance

if you have to pay them up front when you close or if they're prorated throughout the year.

But it's a breakdown.

It usually comes to be about three to three and a half percent of your sales price.

So the fluctuations there are if it requires a little more insurance,

if your property taxes are high.

But oftentimes if you're shopping around for lenders,

you can get a breakdown of what closing costs estimated could be

based off of their loan origination fees and title work

and stuff like that but three to three

and a half percent of the sales price is what you

can count on your closing costs to be your next fees

are kind of getting into those smaller things you may not be thinking about

but your appraisal and your appraisal may actually be bundled into your closing cost estimate that a lender gives you

oftentimes it is not so make sure you check with your lender on

that but an appraisal is required

if you are getting a loan your lender is automatically going to be needing

that and that's around 500 or so that will be taken out

and be due before closing because it's a third party that's doing it

and they have to be paid for it

so check with your lender to see

if that's going to be included in your closing costs

but otherwise you do have to pay out of pocket for that before you close and that's around $500.

Last up is your home inspection and although

that is voluntary it is absolutely encouraged

and yes you can imagine the price of a home inspection

will absolutely vary depending on the size of house the age of house

if it's raised or if it's on a slab

if it has multiple ac units if you need a wood destroying insect report

so you can see how how there's a wide range there.

For a first time home buyer,

if you're looking at a house that's around,

I don't know, 1,300 to 1,700 square feet or

so just on a slab just kind of a normal house

you are looking at probably around 300 to 400 dollars for a home inspection of course you can see how

that would go up if an inspector needs a crawl under

or if it has multiple AC units to inspect so yeah

that is one of the smaller fees

but it is one of the most important fees

because it helps determine if you are going to be moving forward with the house.

So you can, for the first time homebuyers around that age and size of house,

I would count in between $300 to $400.

So I hope this made things a little more simple for you,

a little more mentally manageable.

Of course, you won't know firm numbers until you sit down with a lender

and know your loan type and your options there,

as well as work with a realtor to nail down your house

and you know your price point and size and all that.

So if you need any lender recommendations,

the San Jesucro Group has lots of them.

We're happy to help you there.

and of course if you are looking to buy

and you want to get a little more in-depth process

and to learn how that goes reach out to us we'd be honored to help out

so let us know in the comments any experiences you've had

with buying any expenses you think i may have missed

and of course subscribe give us some feedback and we can't wait to see you next time

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