01
Costs worth putting on one page
The exact numbers vary by location, loan and property, but organizing categories early can help you ask better questions and avoid forgetting one-time expenses.
- Down payment
- Estimated closing costs
- Inspection and appraisal costs
- Moving expenses
- Immediate repairs or maintenance
- Furniture and household setup
- Monthly mortgage, taxes and insurance
- HOA or recurring property costs
02
Separate cash-to-close from move-in costs
Those are related but different buckets. Keeping them separate makes it easier to see how much cash is needed for the transaction itself and how much you may want available after closing.
03
Use estimates as planning numbers, not guarantees
A printable worksheet can help with organization, but final figures should come from your lender, escrow or closing professionals. Update the worksheet as real quotes and disclosures become available.
From Hummingbird Social
Prefer to browse what is available right now?
Hummingbird Social’s Etsy shop is where live digital products can be purchased today. New planners and printables will be added as they are finished.
Browse the Etsy ShopCommon questions
What to know before you download.
What should a first-time home buyer budget include?
Include down payment, closing costs, inspections, appraisal, moving, immediate repairs, setup purchases and expected monthly housing expenses.
Are closing costs the same as the down payment?
No. They are separate categories, though both can affect the amount of cash needed to complete a purchase.
Is a home buyer worksheet financial advice?
No. It is an organizational tool. Use lender and closing documents for actual figures and professional advice.