08/31/2026
The down payment gets most of the attention when you’re buying a home, but it’s not the only money you need to plan for. Closing costs can include lender fees, title and appraisal costs, prepaid expenses, taxes, insurance and other costs associated with getting the loan and completing the purchase. If you don’t know what you’re looking at, though, a Loan Estimate can feel like several pages of random fees and numbers.
In our latest blog, Pride Lending Loan Officer Paul Holzmeyer breaks down where those costs come from, what buyers should pay attention to and how things like points and lender credits can affect both your upfront costs and your interest rate. If you’re buying a home, or even just trying to figure out how much cash you would realistically need to do it, it’s worth a read.