Buying a house is more than just saving for a down payment. In 2026, the median home price in the U.S. is approximately , and the total cash needed to cross the finish line often ranges from $47,000 to $55,000 for a typical $400,000 home with 5% down. Upfront "Cash-to-Close" Costs
Maintenance is the most underestimated cost of homeownership. how much does it actually cost to buy a house
: Appraisal ($300–$1,000), home inspection ($300–$500), and title insurance ($300–$2,500+). Buying a house is more than just saving for a down payment