HOOK
Thinking the down payment is the biggest cost of buying a home? It usually isn’t. [Quick cuts: house exterior, closing table, calculator, repair tools]
KEY POINT 1
First, there are closing costs. In the US, buyers often pay for lender fees, title work, escrow, and prepaid taxes or insurance. Depending on the loan and location, that can add up fast. [On-screen: checklist labeled “Closing Costs”]
KEY POINT 2
Second, don’t forget the home inspection and immediate repairs. Even a well-kept home can need a new water heater, roof work, or simple fixes before move-in. Build a repair cushion before you sign. [B-roll: inspector, roof, plumber, paint cans]
KEY POINT 3
Third, monthly ownership costs keep going after closing. Property taxes, homeowners insurance, HOA dues, and maintenance can change your budget more than the mortgage payment alone. [On-screen: monthly budget breakdown]
CTA
Before you make an offer, ask your lender for a full estimated monthly payment and a closing-cost worksheet. That one step can save you from a budget surprise later. [On-screen: “Ask for a full cost breakdown”]
