: Usually 2% to 5% of the loan amount. For a $400,000 home with 5% down ($380,000 loan), this is $7,600 to $19,000 . Common fees include:
: A deposit of 1% to 2% ($4,000–$8,000 on a $400k home) provided when making an offer to show commitment; this is later credited toward your down payment. 2. Regional Price Variations how much it cost to buy a house in usa
: Advance payments for property taxes (often 6 months) and the first year of homeowners insurance. : Usually 2% to 5% of the loan amount
: Offer 0% down for qualified military members or rural properties. Location is the primary driver of cost
Location is the primary driver of cost. Prices vary drastically between coastal cities and the interior U.S.. Region/State Median Home Price (Q2 2026) $405,300 Hawaii (Most Expensive) California Massachusetts Texas West Virginia (Least Expensive) 3. Ongoing Monthly Costs How Much Money Do You Really Need to Buy a House in 2026?
The total cash needed to close on a home typically ranges from for first-time buyers, depending on the loan program and property price. Down Payment :
