{"id":99096,"date":"2026-06-17T11:45:46","date_gmt":"2026-06-17T18:45:46","guid":{"rendered":"https:\/\/www.redfin.com\/blog\/?p=99096"},"modified":"2026-06-17T10:54:13","modified_gmt":"2026-06-17T17:54:13","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":"<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 U.S. median home sale price is <\/span><b>$400,894, as of June 2026 <\/b><span style=\"font-weight: 400;\">\u2013 unaffordable for many buyers.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Down payments can range from <\/span><b>0% to 20%<\/b><span style=\"font-weight: 400;\">, depending on the loan type and your financial situation.<\/span><span style=\"font-weight: 400;\">\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Closing costs are usually <\/span><b>2% \u2013 5%<\/b><span style=\"font-weight: 400;\"> of the home\u2019s purchase price.<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Buying a home has become increasingly expensive since the pandemic, straining the economy and leading to a <\/span><a href=\"https:\/\/www.redfin.com\/news\/housing-market-update-record-high-home-prices-sales-decline\/\" data-wpel-link=\"exclude\"><span style=\"font-weight: 400;\">slow and difficult<\/span><\/a><span style=\"font-weight: 400;\"> housing market. The U.S. median home sale price sits at $400,894, and <\/span><b>prices are 30% higher than they were five years ago<\/b><span style=\"font-weight: 400;\">. The <\/span><a href=\"https:\/\/www.redfin.com\/news\/down-payments-fall-2026\/\" data-wpel-link=\"exclude\"><span style=\"font-weight: 400;\">average down payment is 15%<\/span><\/a><span style=\"font-weight: 400;\"> ($64,000 in dollar terms), down since last year as buyers hold onto additional cash.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">As affordability becomes a larger issue, it\u2019s important to know how much it really costs to buy a home in today\u2019s market. In this Redfin article, we\u2019ll break down the total cost of buying a home, from your down payment to closing costs, and more.<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">How much money do you need to buy a house?<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">The largest upfront cost of buying a home is your down payment, which typically ranges from 0 &#8211; 20% of the purchase price. But there are additional costs to expect, such as closing costs (including inspection and appraisal), mortgage insurance (if your down payment is below 20%), cash reserves, and moving expenses.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Here\u2019s how much a typical homebuyer would need to buy a house in 2026.<\/span><\/p>\n<table>\n<tbody>\n<tr>\n<td><b>Purchase price: $400,894<\/b><\/td>\n<td><b>Average cost<\/b><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Down payment (15%)<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$60,134<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Mortgage insurance<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$213<\/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;\">$20,044<\/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;\">$4,368<\/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>$86,559<\/b><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<h2><span style=\"font-weight: 400;\">What does it cost to buy a home in 2026?<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">As of June 2026, the <\/span><a href=\"https:\/\/www.redfin.com\/news\/data-center\/housing-market\/\" data-wpel-link=\"exclude\"><span style=\"font-weight: 400;\">national median home sale price<\/span><\/a><span style=\"font-weight: 400;\"> is $400,894, up 1.5% year-over-year. However, prices can vary dramatically depending on location, home type, and neighborhood. For example, the median price in <\/span><a href=\"https:\/\/www.redfin.com\/city\/16163\/WA\/Seattle\" data-wpel-link=\"exclude\"><span style=\"font-weight: 400;\">Seattle, WA<\/span><\/a><span style=\"font-weight: 400;\">, is $847,661, compared to <\/span><a href=\"https:\/\/www.redfin.com\/city\/30756\/GA\/Atlanta\" data-wpel-link=\"exclude\"><span style=\"font-weight: 400;\">Atlanta, GA<\/span><\/a><span style=\"font-weight: 400;\">, where the median price is $406,678.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Even with slight increases in the price, down payment amounts have decreased in many areas in the last few months. Down payments primarily dropped in areas where home prices fell, and bidding wars were less likely to occur. Keep in mind that your down payment amount will vary depending on your location, financial situation, and more.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Another factor influencing lower down payment costs is an area\u2019s housing market conditions. It\u2019s an expensive buyer\u2019s market in a <\/span><a href=\"https:\/\/www.redfin.com\/news\/buyers-vs-sellers-may-2026\/\" data-wpel-link=\"exclude\"><span style=\"font-weight: 400;\">majority of the country<\/span><\/a><span style=\"font-weight: 400;\">, which means there are more homes for sale than buyers looking to purchase. For buyers in these areas, such as <\/span><a href=\"https:\/\/www.redfin.com\/city\/13415\/TN\/Nashville\" data-wpel-link=\"exclude\"><span style=\"font-weight: 400;\">Nashville, TN<\/span><\/a><span style=\"font-weight: 400;\">, and <\/span><a href=\"https:\/\/www.redfin.com\/city\/11458\/FL\/Miami\" data-wpel-link=\"exclude\"><span style=\"font-weight: 400;\">Miami, FL<\/span><\/a><span style=\"font-weight: 400;\">, homes may stay on the market longer, and sellers may be more willing to accept lower prices or offer concessions.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">While most housing markets are <\/span><a href=\"https:\/\/www.redfin.com\/news\/housing-market-update-record-high-home-prices-sales-decline\/\" data-wpel-link=\"exclude\"><span style=\"font-weight: 400;\">largely unaffordable<\/span><\/a><span style=\"font-weight: 400;\">, they generally favor buyers, which means there\u2019s often more room for negotiation. One strategy is to negotiate <\/span><a href=\"https:\/\/www.redfin.com\/blog\/seller-concessions-101\/\" data-wpel-link=\"exclude\"><span style=\"font-weight: 400;\">seller concessions<\/span><\/a><span style=\"font-weight: 400;\"> \u2013 costs the seller agrees to cover on behalf of the buyer to help reduce out-of-pocket expenses. Concessions are written into the home purchase contract and are deducted from the seller\u2019s proceeds at closing.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Understanding your local housing market can help you determine how much it costs to buy a home. Talk with a local agent and check <\/span><a href=\"https:\/\/www.redfin.com\/news\/data-center\/\" data-wpel-link=\"exclude\"><span style=\"font-weight: 400;\">Redfin\u2019s Data Center<\/span><\/a><span style=\"font-weight: 400;\"> to gather all the information you need before starting the homebuying process.<\/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;\">Several upfront costs determine how much it costs to buy a home and what you can realistically 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% \u2013 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 and is usually the biggest upfront cost of buying a home.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Using the current national median home sale price, $400,894, let\u2019s say you put a 15% down payment on the home.\u00a0<\/span><\/p>\n<p style=\"text-align: center;\"><span style=\"font-weight: 400;\">$400,894 x 15% = $60,134<\/span><\/p>\n<p><b>In this example, your down payment would be $60,134.\u00a0<\/b><\/p>\n<h3><span style=\"font-weight: 400;\">Mortgage insurance<\/span><\/h3>\n<p><b>Average cost: <\/b><span style=\"font-weight: 400;\">0.46\u2013 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, and the cost is added to your monthly mortgage bill.<\/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 the above example, let\u2019s assume you buy a home for $400,894 with a 15% down payment.\u00a0<\/span><\/p>\n<p><b>In this example, your monthly PMI cost would be about $213.\u00a0<\/b><\/p>\n<h3><span style=\"font-weight: 400;\">Closing costs<\/span><\/h3>\n<p><b>Typical range:<\/b><span style=\"font-weight: 400;\"> 2% \u2013 5% of the home\u2019s purchase price<\/span><\/p>\n<p><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. Typical closing costs include lender and escrow fees, insurance, and taxes.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Using our example above, you purchase a home for $400,894. 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;\">$400,894 x 2% = $8,017<\/span><\/p>\n<p style=\"text-align: center;\"><span style=\"font-weight: 400;\">$400,894 x 5% = $20,044<\/span><\/p>\n<p style=\"text-align: left;\"><b>In this example, your closing costs could range from $8,017 to $20,044.<\/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 \u2013 $400 each<\/span><\/p>\n<p><a href=\"https:\/\/www.redfin.com\/blog\/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 service, but sometimes are included in closing costs.<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">Cash reserves<\/span><\/h3>\n<p><b>Average cost:<\/b><span style=\"font-weight: 400;\"> 2 months\u2019 worth of mortgage payments<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Many lenders require you to have some cash reserves left after purchasing a home. Your lender will determine how large your reserves should be, but it\u2019s usually about two months\u2019 worth of mortgage payments.<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">Moving costs<\/span><\/h3>\n<p><b>Typical range:<\/b><span style=\"font-weight: 400;\"> $880 \u2013 $2,565*<\/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 \u2013 in some cases up to $10,000.\u00a0<\/span><\/p>\n<p><i><span style=\"font-weight: 400;\">*According to a <\/span><\/i><a href=\"https:\/\/www.angi.com\/articles\/moving-costs-checklist.htm\" data-wpel-link=\"external\" target=\"_blank\" rel=\"external noopener noreferrer\"><i><span style=\"font-weight: 400;\">2026 study by Angi.com<\/span><\/i><\/a><\/p>\n<h2><span style=\"font-weight: 400;\">How to reduce the upfront costs of buying a house<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">There are several ways to help reduce the upfront costs of buying a house.\u00a0<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Seller concessions: <\/b><span style=\"font-weight: 400;\">You negotiate with the seller to pay for certain closing costs or other expenses. For example, a buyer might negotiate $4,000 in seller concessions to help pay for closing costs. As of 2025, <\/span><a href=\"https:\/\/www.redfin.com\/news\/home-seller-concessions-march-2025\/\" data-wpel-link=\"exclude\"><span style=\"font-weight: 400;\">nearly half<\/span><\/a><span style=\"font-weight: 400;\"> of sellers were giving concessions to buyers.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Down payment assistance programs: <\/b><span style=\"font-weight: 400;\">If you\u2019re a first-time homebuyer, there are plenty of <\/span><a href=\"https:\/\/www.redfin.com\/blog\/down-payment-assistance-programs\/\" data-wpel-link=\"exclude\"><span style=\"font-weight: 400;\">down payment assistance programs<\/span><\/a><span style=\"font-weight: 400;\"> that can help reduce your down payment amount.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Low- or no-down payment loans: <\/b><span style=\"font-weight: 400;\">FHA loans offer down payments as low as 3.5%, while VA and USDA loans offer 0% down payment loans for qualified buyers.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Monetary gifts: <\/b><span style=\"font-weight: 400;\">You can use monetary gifts from family and friends toward your down payment or closing costs.\u00a0<\/span><\/li>\n<\/ul>\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;\">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>Typical monthly cost:<\/b><span style=\"font-weight: 400;\"> $2,619*<\/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. Your <\/span><a href=\"https:\/\/www.redfin.com\/guides\/how-to-improve-your-credit-score\" data-wpel-link=\"exclude\"><span style=\"font-weight: 400;\">credit score<\/span><\/a><span style=\"font-weight: 400;\"> can also affect your interest rate and monthly payments.<\/span><\/p>\n<p><i><span style=\"font-weight: 400;\">*<\/span><\/i><i><span style=\"font-weight: 400;\">As of <\/span><\/i><a href=\"https:\/\/www.redfin.com\/news\/housing-market-update-record-high-home-prices-sales-decline\/\" data-wpel-link=\"exclude\"><i><span style=\"font-weight: 400;\">June 7, 2026<\/span><\/i><\/a><i><span style=\"font-weight: 400;\">\u00a0\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;\"> $595*<\/span><\/p>\n<p><span style=\"font-weight: 400;\">As a homeowner, you&#8217;ll need to factor sewer, water, garbage, internet, cable TV, natural gas, and electricity into your budget.<\/span><\/p>\n<p><i><span style=\"font-weight: 400;\">*According to a <\/span><\/i><a href=\"https:\/\/www.move.org\/utility-bills-101\/\" data-wpel-link=\"external\" target=\"_blank\" rel=\"external noopener noreferrer\"><i><span style=\"font-weight: 400;\">2026 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><b>Average annual cost:<\/b><span style=\"font-weight: 400;\"> $1,889*<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Property taxes vary widely depending on the value of your home, location, and tax changes each year. In some areas, property taxes may be as low as $199 or as high as $10,001.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">*<\/span><i><span style=\"font-weight: 400;\">Average countywide property taxes paid in 2023 according to <\/span><\/i><a href=\"http:\/\/taxfoundation.org\" data-wpel-link=\"external\" target=\"_blank\" rel=\"external noopener noreferrer\"><i><span style=\"font-weight: 400;\">Taxfoundation.org<\/span><\/i><\/a><\/p>\n<h3><span style=\"font-weight: 400;\">Homeowners insurance<\/span><\/h3>\n<p><b>Average annual cost: <\/b><span style=\"font-weight: 400;\">$2,868*<\/span><\/p>\n<p><span style=\"font-weight: 400;\">You\u2019ll typically pay homeowners insurance monthly, but depending on where you live, you may also need 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.\u00a0<\/span><\/p>\n<p><i><span style=\"font-weight: 400;\">*According to a <\/span><\/i><a href=\"https:\/\/insurify.com\/homeowners-insurance\/average-cost-of-homeowners-insurance\/\" data-wpel-link=\"external\" target=\"_blank\" rel=\"external noopener noreferrer\"><i><span style=\"font-weight: 400;\">2026 study by Insurify<\/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 \u2013 $1,000<\/span><\/p>\n<p><span style=\"font-weight: 400;\">If you&#8217;ve purchased a condo or home that belongs to a <\/span><a href=\"https:\/\/www.redfin.com\/blog\/what-is-an-hoa\/\" data-wpel-link=\"exclude\"><span style=\"font-weight: 400;\">homeowner\u2019s association (HOA)<\/span><\/a><span style=\"font-weight: 400;\">, you&#8217;ll need to budget for HOA dues. These monthly fees are generally used for property maintenance.<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">Maintenance costs<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">It\u2019s often recommended that you budget around 1% \u2013 4% of your home\u2019s value for maintenance and extra for an emergency fund. If you purchased that $400,894 home, you may want to save around $4,000 for repairs.\u00a0\u00a0<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">Total upfront and ongoing costs of homeownership after 1 year<\/span><\/h2>\n<table>\n<tbody>\n<tr>\n<td><\/td>\n<td><b>Average cost<\/b><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Upfront costs<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$86,559*<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Mortgage payments (12 months)<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$31,428<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Utility costs (12 months)<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$7,140<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Property taxes<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$1,889<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Insurance costs<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$2,868<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">HOA fees (12 months)<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$1,620\u2020<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Maintenance costs<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$4,000<\/span><\/td>\n<\/tr>\n<tr>\n<td><b>Total upfront and ongoing costs<\/b><\/td>\n<td><b>$135,504<\/b><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><i><span style=\"font-weight: 400;\">*Average upfront costs from the previous table<\/span><\/i><\/p>\n<p><span style=\"font-weight: 400;\">\u2020<\/span><i><span style=\"font-weight: 400;\">Calculated using the average cost per month according to a 2024 study by <\/span><\/i><a href=\"http:\/\/census.gov\" data-wpel-link=\"external\" target=\"_blank\" rel=\"external noopener noreferrer\"><i><span style=\"font-weight: 400;\">Census.gov<\/span><\/i><\/a><\/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 understanding 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, some loans 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;\">Yes, in addition to negotiating concessions, there are assistance programs to help cover closing costs for eligible first-time homebuyers. These programs may offer grants, loans, or cover the full amount of closing costs. You may also be able to lower your closing costs by choosing a lender with low or no fees. Your <\/span><a href=\"https:\/\/www.redfin.com\/real-estate-agents\" data-wpel-link=\"exclude\"><span style=\"font-weight: 400;\">real estate agent<\/span><\/a><span style=\"font-weight: 400;\"> or lender 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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