How Much Money Is Needed To Buy A House [2025]

Buying a house in 2026 typically requires cash for two main upfront costs: a (usually 3%–20% of the price) and closing costs (typically 2%–5% of the purchase price). For a median-priced U.S. home of $412,400 , you should expect to need between $20,620 and $103,100 in total upfront cash. Upfront Cash Breakdown