Hello Ashley, It is usually first and last and security deposits. Do you have a BK or foreclosure in the last 2-3 years? If not, you may qualify to buy with a minimum 580 fico score and only half percent down payment program which can contribute towards your closing costs as well. You can buy with minumum out of pocket expenses. It only takes a few dozen questions to qualify in minutes.
I specialize in Under 640 Fico Score Loans and offer credit repair at no cost to raise fico scores to qualify. There are lots of homes and condos to buy from 30k and up. There is a lot of cash competition in this price range but you can go a little higher as you can afford. A 100k purchase is only $500 down and $732PITI a month total. I can email you listings to study and consider. Here are some links to study too.
Sheryl Arndt, Real Estate Broker - Sr. Loan Officer CA only
REO & Short Sale Specialist
Credit Repair At No Cost
ALL Loan Programs Available
20+ Years Experience
9am till 9pm 7 days