The cost to purchase a home varies greatly, with much of the variance depending upon the type of financing you are able to get. Speaking in terms of cash out of pocket, in general, you can estimate putting down 3.5% for an FHA loan. 10-20% down for a conventional loan. And of course, there's the 0 down VA loan, if you qualify. And although scarce, there are still 100% loans available for those who do not qualify for VA. Contact me for this info. In addition to your down payment, there are closing costs. These costs are determined by the type of mortgage loan you're getting, interest rate buy-down (aka points) and other lender costs, taxes, insurance, and a myriad of other fees applicable, as well as terms agreed upon between the Buyer and Seller. And you be aware that some states have higher closing costs than others. The general rule is to have 2-6% "extra" cash available to pay for closing costs. Again, these are generalties, but they should give you a "jumping off" idea.