Your REALTOR should be able to give you accurate numbers, as should your lender. Buying a home is a team effort, and like brain surgery, it isn't something you should do for yourself. Happily for you, the team works for you, the Buyer, and not for the Seller. The Seller's agent pays the fee for your REALTOR, so getting professional help doesn't cost you anything extra. Especially, if you buy a New Homes from a Builder, your REALTOR should be able to save you thousands of dollars and lots of time.
If you want to approximate the costs before jumping in, you can go to http://fidelitysa.com/
and use their calculators. One word of caution, if you don't know what the terms mean, let your REALTOR explain them to you and help you with the process. Some of the items will depend on what type of financing you use.
So, your first steps toward home buying should be:
1. Find a great REALTOR that you can trust. Look at their experience, personality, work style, company resources, and find a perfect match for you.
2. Find a great lender who can be your partner in arranging the right financing. One word of warning, your REALTOR has a fiduciary relationship with you - that is, they must put your interests ahead of even their own. Lenders are still vendors, so make sure that you comparison shop or have your agent check the numbers to make sure they are competitive.
Then, you can jump in and, getting good advice from your professional team, you can find and own a great home. Of course, if you want to talk with us, we are available for you. You can contact us at http://www.TellEllen.com.
Lots of luck,
Doc & Ellen Stephens, REALTORS
Keller Williams Realty
San Antonio, TX