Hi Heather, the costs in buying are quite transparent. When you select a home and get a contract for it, you open escrow. Generally 1% of the purchase price or more is your earnest deposit or good faith money. Then you get a home inspection, depending on the size of the house it's usually under $500 dollars. Next step is the appraisal fee, generally a few hundred dollars as well. The only other money you'll need is the down payment and your closing costs, the lowest down payment is 0% for veterans using a VA loan and 3.5% and up for FHA and conventional loans. The closing costs can be covered by paying them out of pocket at close of escrow or building them into the loan, essentially raising the amount financed to cover the closing costs which are generally between 1 & 5% of the sales price. Hope this helps some!