Cost of buying a new house October/November 2025

First expense was the earnest deposit once I decided and won the ability to purchase a house. I got lucky. The guy I was buying from was happy with $1000.00. The realtor said that it is usually 1% of the purchase price. I wasn't happy about the $18 fee that was tacked on when I paid via their website. These fees add up! Today I paid for my appraisal. That charge was $500. My banker said that I would get this money back when I bought the house. He said banks started charging for the appraisal because so many people backed out and they were left hanging with the cost. Saturday I will be paying for inspections on the house. I'm getting a whole house inspection for $350, $60 for a termite inspection, $130 for Radon testing, and sewer for $145. He said that if I paid in cash the day of that he would give me a $20 reduction. I'm quite excited about one savings. Since I'm moving from a higher crime area to a more rural setting my car insurance will be going down in cost. Right now my 19 year old grandson pays $746/6 months for his 2002 Grand Cherokee Jeep. I pay $486. Once we move our insurance will be $596 and $409.Hey, every little bit helps! Insurance: Current house yearly payment is $2407 with a $500 deductible. I called to get an estimate for the new house and it will be $2265. This includes earthquake protection and water damage. The deductible takes a huge jump. Wind or hail will cost me $3,330 and anything else will be $1665. I was going to go shop around for a different company but that seems an insurmountable task.