There are ways to get a lower down payment or even pay nothing upfront, but these methods typically cost more in the long run because
they include piggyback loans and private mortgage insurance that have higher interest rates.
Things you'll be dealing with and paying for in the final stages of your purchase may
include having the home appraised (mortgage companies require this to protect their interest in the house), doing a title search to make sure that no one other than the seller has a claim to the property, obtaining private mortgage insurance or a
piggyback loan if your down payment is less than 20 %, and completing mortgage paperwork.