One thing we have definitely learned from this process so far is this...
What ever you think you have set aside for a down payment make sure you increase that amount by another 10% at minimum to cover all these "little" things like, inspections, closing costs and items to clean/buy new for when you move in. While we do have this I do wish we had more set aside to make me feel a little more comfortable at the end when writing the "big check" to finalize the deal.
You know it's going to be expensive going through the whole process but OMG... seeing the numbers (even after working in a bank's mortgage department writing software) is still a shock at times.
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