Reddit Home Buying Guide < 2025 >

Budget for a down payment (typically 3%โ€“20%) and closing costs (usually 2%โ€“5% of the purchase price).

Aim for a monthly mortgage payment that is no more than 30% of your take-home pay. reddit home buying guide

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Remember to account for property taxes, homeowners insurance, and a "repairs" fund for when the water heater inevitably dies. Budget for a down payment (typically 3%โ€“20%) and