When buying a home there are always the extra costs. Don't forget the extra costs. In addition to the purchase price there is a cost to doing an inspection, hiring a lawyer etc. Most people realize those but after your monthly mortgage you will have property taxes, utilities and maybe even a condo payment or lot rent. Make sure your realtor explains these extras and points you in the right direction. The one thing that will not cost you is to work with us as the seller of the property you choose typically pays the real estate fee.