{"id":99096,"date":"2025-05-05T13:21:46","date_gmt":"2025-05-05T20:21:46","guid":{"rendered":"https:\/\/www.redfin.com\/blog\/?p=99096"},"modified":"2025-06-17T12:28:03","modified_gmt":"2025-06-17T19:28:03","slug":"how-much-does-it-cost-to-buy-a-house","status":"publish","type":"post","link":"https:\/\/www.redfin.com\/blog\/how-much-does-it-cost-to-buy-a-house\/","title":{"rendered":"How Much Does it Cost to Buy a House?"},"content":{"rendered":"<p><span style=\"font-weight: 400;\">As you begin thinking about <\/span><a href=\"https:\/\/www.redfin.com\/guides\/first-time-home-buyer-guide\" data-wpel-link=\"exclude\"><span style=\"font-weight: 400;\">buying your first home,<\/span><\/a><span style=\"font-weight: 400;\">\u00a0or even your <a href=\"https:\/\/www.redfin.com\/blog\/second-time-home-buyer\/\" data-wpel-link=\"exclude\">second, <\/a>there are lots of costs to save up for. From down payment and closing costs to mortgage payments and utilities, it can be confusing to know how much you need to buy a home. But, it doesn\u2019t have to be difficult.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">In this Redfin article, we\u2019ll outline how much it costs to buy a house and the ongoing costs of homeownership. Whether you\u2019re buying a <\/span><a href=\"https:\/\/www.redfin.com\/city\/16163\/WA\/Seattle\" data-wpel-link=\"exclude\"><span style=\"font-weight: 400;\">home in Seattle, WA<\/span><\/a><span style=\"font-weight: 400;\">, or a <\/span><a href=\"https:\/\/www.redfin.com\/city\/30756\/GA\/Atlanta\/housing-market\" data-wpel-link=\"exclude\"><span style=\"font-weight: 400;\">condo in Atlanta, GA<\/span><\/a><span style=\"font-weight: 400;\">, here\u2019s what you need to know about the costs of buying a home this year.\u00a0<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">Key takeaways<\/span><\/h2>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">The national median home sale price is $418,478, as of January 2025.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Your down payment amount can range from 0 to 20%, depending on your loan type and finances.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Closing costs are usually 2%\u20135% of the home\u2019s purchase price.<\/span><\/li>\n<\/ul>\n<p><img fetchpriority=\"high\" decoding=\"async\" class=\"alignnone size-full wp-image-87171\" src=\"https:\/\/www.redfin.com\/blog\/wp-content\/uploads\/2023\/09\/393-Sunset-Rd_Winnetka_IL_Ext_final.jpg\" alt=\"brick house in winnetka il\" width=\"1200\" height=\"798\" srcset=\"https:\/\/www.redfin.com\/blog\/wp-content\/uploads\/2023\/09\/393-Sunset-Rd_Winnetka_IL_Ext_final.jpg 1200w, https:\/\/www.redfin.com\/blog\/wp-content\/uploads\/2023\/09\/393-Sunset-Rd_Winnetka_IL_Ext_final-300x200.jpg 300w, https:\/\/www.redfin.com\/blog\/wp-content\/uploads\/2023\/09\/393-Sunset-Rd_Winnetka_IL_Ext_final-1024x681.jpg 1024w, https:\/\/www.redfin.com\/blog\/wp-content\/uploads\/2023\/09\/393-Sunset-Rd_Winnetka_IL_Ext_final-768x511.jpg 768w, https:\/\/www.redfin.com\/blog\/wp-content\/uploads\/2023\/09\/393-Sunset-Rd_Winnetka_IL_Ext_final-226x150.jpg 226w, https:\/\/www.redfin.com\/blog\/wp-content\/uploads\/2023\/09\/393-Sunset-Rd_Winnetka_IL_Ext_final-947x630.jpg 947w, https:\/\/www.redfin.com\/blog\/wp-content\/uploads\/2023\/09\/393-Sunset-Rd_Winnetka_IL_Ext_final-451x300.jpg 451w\" sizes=\"(max-width: 1200px) 100vw, 1200px\" \/><\/p>\n<h2><span style=\"font-weight: 400;\">What\u2019s the average cost of buying a home in 2025?<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">As of January 2025, the <\/span><a href=\"https:\/\/www.redfin.com\/us-housing-market\" data-wpel-link=\"exclude\"><span style=\"font-weight: 400;\">national median home sale price<\/span><\/a><span style=\"font-weight: 400;\"> is $418,748. Housing prices vary depending on the home type, location, and neighborhood. For example, the <\/span><a href=\"https:\/\/www.redfin.com\/city\/16163\/WA\/Seattle\/housing-market\" data-wpel-link=\"exclude\"><span style=\"font-weight: 400;\">median home sale price in Seattle, WA<\/span><\/a><span style=\"font-weight: 400;\">, is $795,950 compared to <\/span><a href=\"https:\/\/www.redfin.com\/city\/30756\/GA\/Atlanta\/housing-market\" data-wpel-link=\"exclude\"><span style=\"font-weight: 400;\">housing prices in Atlanta, GA<\/span><\/a><span style=\"font-weight: 400;\">, where the median home sale price is $380,000.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">You can check the median home sale price in your city, or the neighborhood you\u2019re looking to buy <\/span><a href=\"https:\/\/www.redfin.com\/us-housing-market\" data-wpel-link=\"exclude\"><span style=\"font-weight: 400;\">here<\/span><\/a><span style=\"font-weight: 400;\">. That way you understand how much homes typically sell for in your area.\u00a0\u00a0<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">What are the upfront costs of buying a house?<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">There are a variety of upfront costs to consider when determining how much it costs to buy a home &#8211; and what you can afford.\u00a0<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">Down payment\u00a0<\/span><\/h3>\n<p><b>Typical range:<\/b><span style=\"font-weight: 400;\"> 3% &#8211; 20% of the home\u2019s purchase price<\/span><\/p>\n<p><span style=\"font-weight: 400;\">A <\/span><a href=\"https:\/\/www.redfin.com\/blog\/how-much-down-payment-for-a-house\/\" data-wpel-link=\"exclude\"><span style=\"font-weight: 400;\">down payment<\/span><\/a><span style=\"font-weight: 400;\"> is the deposit you pay toward a home\u2019s purchase price. It\u2019s usually the biggest upfront cost of buying a home, but this can vary depending on your loan type. Some loans allow you to put zero down or as little as 3% down. Most buyers put more than 3% down, as a larger down payment can give you better interest rates, more loan options, and make your offer stronger.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Using the national median home sale price, $418,478, let\u2019s say you want to put a 10% down payment on the home.\u00a0<\/span><\/p>\n<p style=\"text-align: center;\"><span style=\"font-weight: 400;\">$418,478 x 10% = $41,847<\/span><\/p>\n<p><b>In this example, your down payment would be $41,847.\u00a0<\/b><\/p>\n<p><span style=\"font-weight: 400;\">It\u2019s possible that you may not be able to afford that down payment. There are plenty of loans that offer lower down payment options, like FHA loans. You may also qualify for a <\/span><a href=\"https:\/\/www.redfin.com\/guides\/first-time-home-buyer-programs\" data-wpel-link=\"exclude\"><span style=\"font-weight: 400;\">down payment assistance program<\/span><\/a><span style=\"font-weight: 400;\">, which helps lower the cost of your down payment.\u00a0<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">Mortgage insurance<\/span><\/h3>\n<p><b>Average cost: <\/b><span style=\"font-weight: 400;\">0.5% &#8211; 1.5% of your loan amount annually<\/span><\/p>\n<p><span style=\"font-weight: 400;\">If you put down less than 20%, you&#8217;ll probably have to pay for <\/span><a href=\"https:\/\/www.redfin.com\/blog\/what-is-pmi-insurance\/\" data-wpel-link=\"exclude\"><span style=\"font-weight: 400;\">private mortgage insurance (PMI)<\/span><\/a><span style=\"font-weight: 400;\">. PMI protects your lender in case you can&#8217;t pay your mortgage. This cost is added to your monthly mortgage bill and can also add thousands to your closing costs for some loans, like FHA.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">You can use a<\/span> <a href=\"https:\/\/www.redfin.com\/mortgage-calculator\" data-wpel-link=\"exclude\"><span style=\"font-weight: 400;\">mortgage calculator with PMI<\/span><\/a> <span style=\"font-weight: 400;\">to get an estimate of your PMI costs. Using our same example, you buy a home for $418,478 with a 10% down payment.\u00a0<\/span><\/p>\n<p><b>In this example, your monthly PMI cost would be about $235.\u00a0<\/b><\/p>\n<p><span style=\"font-weight: 400;\">Some loans don&#8217;t require PMI at all, so ask your lenders about the best options available to you. As a general rule, the larger your down payment, the less you&#8217;ll pay in PMI.<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">Closing costs<\/span><\/h3>\n<p><b>Typical range:<\/b><span style=\"font-weight: 400;\"> 2%\u20135% of the home\u2019s purchase price<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Many first-time homebuyers may focus on saving for a down payment, but another cost when buying a home is closing costs. <\/span><a href=\"https:\/\/www.redfin.com\/blog\/what-are-closing-costs\" data-wpel-link=\"exclude\"><span style=\"font-weight: 400;\">Closing costs<\/span><\/a><span style=\"font-weight: 400;\"> are<\/span> <span style=\"font-weight: 400;\">the fees and other expenses associated with the purchase and sale of a home. So how much are closing costs on a house, and what do they include?<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Closing costs usually total 2%\u20135% of the home\u2019s purchase price.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">They&#8217;re due with your down payment when you close on the home. Just like your down payment, you&#8217;ll need enough available in your bank account to cover these costs on closing day.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Typical closing costs include lender and escrow fees, insurance, and taxes\u2014costs associated with completing the home sale and making the home legally yours.<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Lender fees are negotiable, and some lenders don&#8217;t charge a fee at all. When you get pre-approved, make sure to ask about these fees (also known as &#8220;origination fees&#8221; or &#8220;processing fees&#8221;) and shop around so you can compare costs.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Using our example above, you purchase a home for $418,478. To get the possible range for your closing costs, you\u2019ll multiply that number by 2% and 5%.\u00a0<\/span><\/p>\n<p style=\"text-align: center;\"><span style=\"font-weight: 400;\">$418,478 x 2% = $8,369<\/span><\/p>\n<p style=\"text-align: center;\"><span style=\"font-weight: 400;\">$418,478 x 5% = $20,873<\/span><\/p>\n<p><b>In this example, your closing costs could range from $8,369 to $20,873.<\/b><\/p>\n<h3><span style=\"font-weight: 400;\">Inspection and appraisal fees<\/span><\/h3>\n<p><b>Average cost:<\/b><span style=\"font-weight: 400;\"> $300 &#8211; $400 each<\/span><\/p>\n<p><a href=\"https:\/\/www.redfin.com\/guides\/home-inspection\" data-wpel-link=\"exclude\"><span style=\"font-weight: 400;\">Home inspection<\/span><\/a><span style=\"font-weight: 400;\"> and appraisal fees are often paid at the time of inspection but sometimes are included in closing costs. An inspection helps identify major problems with the home, while an appraisal determines the home\u2019s value. Home inspections aren\u2019t always required, but it\u2019s a good idea to understand the home\u2019s condition. Most lenders will require a home appraisal to ensure they\u2019re not lending you more than the home\u2019s value.<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">Cash reserves<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Many <\/span><a href=\"https:\/\/bayequityhomeloans.com\/\" data-wpel-link=\"external\" target=\"_blank\" rel=\"external noopener noreferrer\"><span style=\"font-weight: 400;\">lenders<\/span><\/a><span style=\"font-weight: 400;\"> require you to have some cash reserves left after purchasing a home. This allows lenders to make sure you\u2019re not going to deplete all your savings and have enough left over to make monthly mortgage payments. Your lender will determine how much reserves you should have, but it\u2019s usually about two months\u2019 worth of mortgage payments. They will typically include stocks and other savings as part of your reserves.\u00a0<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">Moving costs<\/span><\/h3>\n<p><b>Typical range:<\/b><span style=\"font-weight: 400;\"> $883 &#8211; $2,569*<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Moving costs can vary depending on how far you\u2019re moving and how much stuff you\u2019re transporting. Long-distance or <\/span><a href=\"https:\/\/www.redfin.com\/blog\/how-to-move-across-the-country\/\" data-wpel-link=\"exclude\"><span style=\"font-weight: 400;\">cross-country moves<\/span><\/a><span style=\"font-weight: 400;\"> will cost more than $2,500 &#8211; in some cases up to $10,000. If you\u2019re moving within the same city, it\u2019ll cost less. You\u2019ll have to factor in whether you need professional movers or if you can move some of your items yourself. Moving costs often fluctuate throughout the week and year, with weekends often costing more.\u00a0\u00a0<\/span><\/p>\n<p><i><span style=\"font-weight: 400;\">*According to a <\/span><\/i><a href=\"http:\/\/angi.com\" data-wpel-link=\"external\" target=\"_blank\" rel=\"external noopener noreferrer\"><i><span style=\"font-weight: 400;\">2025 study by Angi.com<\/span><\/i><\/a><\/p>\n<h2><span style=\"font-weight: 400;\">Cost of buying a home<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Using the above example of purchasing a home for $418,748, here\u2019s what the total upfront cost of buying a house looks like.\u00a0\u00a0<\/span><\/p>\n<table>\n<tbody>\n<tr>\n<td><b>Purchase price: $418,478<\/b><\/td>\n<td><b>Average cost<\/b><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Down payment (10%)<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$41,847<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Mortgage insurance<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$235<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Closing costs (5%)<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$20,873<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Inspection and appraisal<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$800<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Cash reserves (two months of mortgage payments)<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$5,560<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Moving costs<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$1,000<\/span><\/td>\n<\/tr>\n<tr>\n<td><b>Total cost<\/b><\/td>\n<td><b>$70,315<\/b><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<h2><img decoding=\"async\" class=\"alignnone size-full wp-image-87429\" src=\"https:\/\/www.redfin.com\/blog\/wp-content\/uploads\/2023\/10\/10189-NW-4th-St.jpg\" alt=\"Living room\" width=\"1200\" height=\"801\" srcset=\"https:\/\/www.redfin.com\/blog\/wp-content\/uploads\/2023\/10\/10189-NW-4th-St.jpg 1200w, https:\/\/www.redfin.com\/blog\/wp-content\/uploads\/2023\/10\/10189-NW-4th-St-300x200.jpg 300w, https:\/\/www.redfin.com\/blog\/wp-content\/uploads\/2023\/10\/10189-NW-4th-St-1024x684.jpg 1024w, https:\/\/www.redfin.com\/blog\/wp-content\/uploads\/2023\/10\/10189-NW-4th-St-768x513.jpg 768w, https:\/\/www.redfin.com\/blog\/wp-content\/uploads\/2023\/10\/10189-NW-4th-St-225x150.jpg 225w, https:\/\/www.redfin.com\/blog\/wp-content\/uploads\/2023\/10\/10189-NW-4th-St-944x630.jpg 944w, https:\/\/www.redfin.com\/blog\/wp-content\/uploads\/2023\/10\/10189-NW-4th-St-449x300.jpg 449w\" sizes=\"(max-width: 1200px) 100vw, 1200px\" \/><\/h2>\n<h2><span style=\"font-weight: 400;\">What are the ongoing costs of owning a home?<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Even after closing day and moving in, there are plenty of ongoing costs of homeownership. You\u2019ll need enough in your budget to cover monthly household expenses, funds for repairs, and additional fees.\u00a0<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">Mortgage payments<\/span><\/h3>\n<p><b>Average monthly cost:<\/b><span style=\"font-weight: 400;\"> $2,780*<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Mortgage payments vary widely depending on the type of loan, loan terms (number of years), and interest rate on the loan. Your credit can also affect your interest rate and monthly payments. If your credit score isn&#8217;t as high as it could be, talk to your lender about how to bring it up fast, or learn <\/span><a href=\"https:\/\/www.redfin.com\/guides\/how-to-improve-your-credit-score\" data-wpel-link=\"exclude\"><span style=\"font-weight: 400;\">how to improve your credit score<\/span><\/a><span style=\"font-weight: 400;\">.<\/span><\/p>\n<p><i><span style=\"font-weight: 400;\">*<\/span><\/i><i><span style=\"font-weight: 400;\">Calculated using the national median home sale price with a 20% down payment\u00a0<\/span><\/i><\/p>\n<h3><span style=\"font-weight: 400;\">Utilities<\/span><\/h3>\n<p><b>Average monthly cost:<\/b><span style=\"font-weight: 400;\"> $583*<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Depending on your prior housing arrangements, a utility bill could come as a surprise to the costs of owning a home. Some landlords include bills for sewer, water, and garbage in the rent, so it can be hard to know what they cost. As a homeowner, you&#8217;ll need to factor these into your budget. Other utilities include internet, cable TV, natural gas, and electricity.<\/span><span style=\"font-weight: 400;\">\u00a0<\/span><\/p>\n<p><i><span style=\"font-weight: 400;\">*According to a <\/span><\/i><a href=\"http:\/\/move.org\" data-wpel-link=\"external\" target=\"_blank\" rel=\"external noopener noreferrer\"><i><span style=\"font-weight: 400;\">2024 study by Move.org<\/span><\/i><\/a><i><span style=\"font-weight: 400;\">\u00a0<\/span><\/i><\/p>\n<h3><span style=\"font-weight: 400;\">Property taxes\u00a0<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">When you buy a home, you\u2019ll pay a portion of your property taxes at closing. But you&#8217;ll also have to pay them on an ongoing basis for as long as you own your home. Property taxes can vary widely depending on the value of your home, location, and tax changes each year. Your lender should give you the option to set up a special account, known as an &#8220;escrow&#8221; account, to make future payments on taxes so you don&#8217;t have to worry about tracking these bills.<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">Homeowners insurance<\/span><\/h3>\n<p><b>Average yearly cost: <\/b><span style=\"font-weight: 400;\">$2,377*<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Like property taxes, you\u2019ll pay your homeowners insurance at closing. You may also be able to add money to an escrow account to cover these payments in the future. Depending on where you live, you may have additional insurance policies like <\/span><a href=\"https:\/\/www.redfin.com\/guides\/what-does-flood-insurance-cover\" data-wpel-link=\"exclude\"><span style=\"font-weight: 400;\">flood insurance<\/span><\/a><span style=\"font-weight: 400;\"> or fire insurance. These are extra payments you\u2019ll need to budget for.\u00a0<\/span><\/p>\n<p><i><span style=\"font-weight: 400;\">*According to a <\/span><\/i><a href=\"https:\/\/www.nar.realtor\/magazine\/real-estate-news\/states-where-home-insurance-costs-are-surging-highest\" data-wpel-link=\"external\" target=\"_blank\" rel=\"external noopener noreferrer\"><i><span style=\"font-weight: 400;\">2024 study by the NAR<\/span><\/i><\/a><\/p>\n<h3><span style=\"font-weight: 400;\">HOA fees<\/span><\/h3>\n<p><b>Average monthly cost: <\/b><span style=\"font-weight: 400;\">$100 &#8211; $1,000<\/span><\/p>\n<p><span style=\"font-weight: 400;\">If you&#8217;ve purchased a condo or home that belongs to a homeowner\u2019s association (HOA), you&#8217;ll need to budget for HOA dues in your household expenses. These monthly fees are generally used for property maintenance in some neighborhoods and condo properties. HOA dues can range from $100 to over $1,000 depending on the property and location.<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">Maintenance costs<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">How much you keep stored away for unexpected maintenance or repair costs is up to you. It\u2019s often recommended that you budget around 1% of your home\u2019s value for maintenance. If you purchased that $418,478 home, you may want to save around $4,200 for repairs. Consider an additional emergency fund that you can access in case of urgent repairs or maintenance.\u00a0\u00a0<\/span><\/p>\n<div class=\"ast-oembed-container \" style=\"height: 100%;\"><iframe title=\"How Much Do You Really Need for a Down Payment? #realestate\" width=\"500\" height=\"281\" src=\"https:\/\/www.youtube.com\/embed\/UO4AMkYUzAY?feature=oembed\" frameborder=\"0\" allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share\" referrerpolicy=\"strict-origin-when-cross-origin\" allowfullscreen><\/iframe><\/div>\n<h2><span style=\"font-weight: 400;\">FAQs about how much it costs to buy a house<\/span><\/h2>\n<h3><span style=\"font-weight: 400;\">How much house can I afford?<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">You can figure out <\/span><a href=\"https:\/\/www.redfin.com\/how-much-house-can-i-afford\" data-wpel-link=\"exclude\"><span style=\"font-weight: 400;\">how much house you can afford<\/span><\/a><span style=\"font-weight: 400;\"> by determining your monthly debts, such as loans, monthly household expenses, savings, and yearly income. These can all help you determine your budget for buying a home.<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">Can I buy a house with zero down?<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Yes, there are some loans that allow you to <\/span><a href=\"https:\/\/www.redfin.com\/blog\/how-to-buy-a-house-with-no-money-down\/\" data-wpel-link=\"exclude\"><span style=\"font-weight: 400;\">buy a home with zero down payment<\/span><\/a><span style=\"font-weight: 400;\">. VA and USDA loans allow qualified buyers to purchase a home with no down payment. These loans can be difficult to qualify for, but there are plenty of other low-down payment loans available.\u00a0<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">Can I lower closing costs?<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">There are many programs that can help cover closing costs for eligible first-time homebuyers. These may offer grants, loans, or cover the full amount you would pay in typical closing costs. You may also be able to lower your closing costs by choosing a lender with low or no fees or negotiating certain costs with the home seller. Your lender or real estate agent can help you determine the best options for you.<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>How much does it cost to buy a house? 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