April 7, 2007

How Much Home Can You Afford?

How Much Home Can You Afford?

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An experienced homeowner knows the price of the house is not the only cost to consider when buying a new home.� Here we present other additional costs that will help any future buyer to assess how much house he/she can afford:

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Utility Payments �
A homebuyer can always ask a seller to show him some recent utility bills.� Although every family uses utilities in its own way, the recent bill always gives a homebuyer an idea about his/her future payments.

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Up-front Costs Appraisal Fee �
If requested by your mortgage company you will need to have an appraisal done on the property you plan to buy. Cost: Approximately $300

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Deposit
If you offer to purchase a property you may need to put down a deposit.� Cost: around 5% of the purchase price

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Down Payment �
Conventional mortgages vary, but most usually require 10-20% of the purchase price.

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Home Inspection �
The price of the house inspection depends on the size of the house.� Cost: usually between $300 and $500.

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�Legal Fees and Disbursements �
This fee is usually paid at closing. Cost: Approximately $500

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Property Insurance
It is paid to cover the costs of replacing the structure. It protects the homeowner and the mortgage lender, since the property is security for the mortgage.

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Property Survey �
May be required by the mortgage lender. Cost: Approximately $300

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Other costs are: gardening equipment, decorating materials, moving expenses, hookup fees, window treatments.

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Before deciding how much house you can afford consider all the costs above to avoid ending up �house poor� and enjoy living in your new home.

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