Nearly 90% of aspiring buyers are surprised by their closing costs, so learn how to plan for them and skip complications at the closing table.

Closing costs feel vague because you won't get your exact number until 3 days before you close, but you can still plan for them with confidence. You'll learn what makes up your cash to close, the difference between non-recurring and recurring costs, and the simple 3% savings rule that keeps you prepared. Then discover the little-known 5-to-7-week mortgage payment holiday after closing, and why in today's market you may be able to get the seller to cover your closing costs entirely.

"You cannot and will not get the exact number until 3 days before you close on your home. That’s the way buying a home works." – David Sidoni, Nationwide First Time Homebuying Coach

Highlights

Why can't you get an exact closing cost number until just days before you close?
What exactly goes into your cash to close?
What's the difference between non-recurring and recurring closing costs?
How much should you really save for closing costs?
Why do closing costs swing so much from state to state?
What is the mortgage payment holiday, and how can it give your budget a 5-to-7-week break?
Could the seller end up paying your closing costs in today's market?

Referenced Episodes & Resources

438 – How Much Are Closing Costs? First Time Homebuyer FAQ
522 – Low Down Payment Strategies – First Time Homebuyer Options in This Economy
524 – Make this Your Last Lease Ever – Stop Renting, Start Earning Equity
439 – First Time Homebuyer: Why Abigail Broke Her Lease and Bought in 90 Days
523 – Your Rent Payment Is Already 79% of a Mortgage (Here's What You're Missing)
529 – Beat the Rates: 9 Tips to Make High Interest Rates Affordable in Late 2026

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David Sidoni, the "How to Buy a Home Guy," is a seasoned real estate professional and consumer advocate with two decades of experience helping first-time homebuyers navigate the real estate market. His podcast, "How to Buy a Home," is a trusted resource for anyone looking to buy their first home. It offers expert advice, actionable tips, and inspiring stories from real first-time homebuyers. With a focus on making the home-buying process accessible and understandable, David breaks down complex topics into easy-to-follow steps, covering everything from budgeting and financing to finding the right home and making an offer.

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