HOOK
Thinking your down payment is the only big check you’ll write when buying a home? [Show a buyer looking surprised at a stack of papers and a calculator] That’s where a lot of first-time buyers get caught off guard.
KEY POINT 1
First, closing costs. In the U.S., buyers usually pay a mix of lender fees, title fees, appraisal costs, and prepaid taxes or insurance. [B-roll of closing table, paperwork, pen signing] These can add up fast, so ask your lender for a Loan Estimate early.
KEY POINT 2
Second, inspections and repairs. A home inspection can reveal issues you won’t spot at a showing, and some buyers also pay for specialty inspections like roof, sewer, or termite checks. [B-roll of inspector checking attic, outlet, and roof] Even if the home looks perfect, you may need money set aside for fixes right after closing.
KEY POINT 3
Third, moving and setup costs. Think movers, truck rentals, utility deposits, new locks, and basic furniture or appliances. [B-roll of boxes, moving truck, utility hookup on phone] These are easy to overlook, but they can hit your budget the same week you get the keys.
CTA
Before you shop, build a simple homebuying budget that includes these extra costs. [Show a checklist titled “True Cost to Buy”] Want a smart next step? Learn how much house you can really afford before you make an offer.