>the banks will gas you up with the percentage you need to put
>down. hopefully they printed out a full estimate of expenses
>for you...that'll give you a better idea of what you really
>will be spending when you close. if you are as far along as it
>sounds, this info is probably already somethign you're aware
>but might as well put it here for other folks.
>
>but on the same token...you just have to have money ready for
>shit. closing costs gets you to the purchase but once you buy
>it be ready for that first big disaster. i feel like everybody
>who buys a home, especially that first home, has one. it
>doesn't have to be anything overly dramatic but after spending
>all that money to put down and close on the house, having to
>spend X a month or two after you move in on some BS you were
>not expecting is pretty much a disaster unless you have the
>money saved up. if you can help it, have something set aside
>for that.

This process is still new to me. So, although I learned some things from people as well as a lil experience, there is always room to earn more. Closing costs is covered. It will come down to which type of lender I will go with being I have a option to go with the in house lenders or outside lender.
I think k what you shared is sound advice, so I appreciate it. I am ready to improve the quality of my life and willing to sacrifice so e things to attain said goal. I am already have my eyes set on getting some vehicles, then focus on retirement. Thanks.