Planning to buy a home soon? While most buyers focus on saving for their down payment (typically 3-20% of the purchase price), several additional costs can catch first-time home buyers off guard. Understanding these expenses upfront will help you budget accurately and avoid financial surprises during the home buying process.

As a real estate agent passionate about helping first-time home buyers, I find immense joy in guiding clients through their home buying journey from initial search to closing day. If you're preparing to buy your first home, understanding these key points will set you up for success in today's competitive market.