So many people ask me How much cash do we actually need to buy a house? The truth?

Описание: So many people ask me:
“How much cash do we actually need to buy a house?” 🏡💸

The truth? It’s not just one number—it’s a combo of a few key pieces 👇

1. Down payment
The minimum for most first-time buyers is 3%.

$300k home = $9,000

$400k home = $12,000

$500k home = $15,000

$600k home = $18,000

$700k home = $21,000

$800k home = $24,000

This is the baseline. Put more down, and you’ll lower your monthly payment and strengthen your offer.

2. Closing costs
These typically run 1–6% of the purchase price (lender fees, title, taxes, etc.). On average, I tell buyers to plan around 3%.
⚠️ Sometimes sellers can help cover this—but it’s not guaranteed.

3. After-closing cushion
Not required by lenders, but highly recommended. Keep 3–6 months of expenses set aside for those unexpected homeownership costs (hello, broken water heater 👀).

👉 Here’s a simple rule of thumb: Take the price of the home × .06 = what you should ideally have saved to feel comfortable.

💬 Want me to break down what your numbers would look like? Comment or DM me the word READY and I’ll run the math for you. I can also connect you with one of my trusted local lenders so you know exactly where you stand.

— Susanne Moser
Your Orlando Real Estate Agent 🏡✨