HOOK
Thinking you can afford a home because the mortgage payment fits your budget? [Show a home listing turning into a calculator with extra fees] That’s where a lot of buyers get surprised.
KEY POINT 1
First, there are closing costs. In the U.S., buyers often pay lender fees, title insurance, inspections, and prepaid taxes or insurance. [B-roll of closing documents and a pen signing papers] Ask your lender for a full loan estimate early.
KEY POINT 2
Second, factor in ongoing maintenance. A roof leak, HVAC repair, or water heater replacement can hit fast. [B-roll of a leaking faucet, technician checking HVAC] A simple rule: set aside money every month for repairs, even in a new home.
KEY POINT 3
Third, watch property taxes and insurance. Those costs can rise over time and change your monthly payment after closing. [B-roll of a tax bill and insurance policy on screen] Always ask for the full monthly estimate, not just the mortgage principal and interest.
CTA
If you’re buying soon, compare the full monthly cost before you make an offer. [Show checklist: mortgage, taxes, insurance, maintenance] Want a smart homebuying checklist? Follow for more practical real estate tips.
