Look beyond the sale price. Get pre-approved, plan for your down payment and closing costs, and budget for property taxes, insurance and upkeep. Property taxes vary by county and city, so we’ll show you the real figure for any home you’re considering.

Expect a down payment, earnest money, inspection and appraisal fees, lender and title charges, homeowners insurance and property taxes. Tennessee also charges state recording and mortgage taxes at closing. Your Closing Disclosure itemizes every cost.

No, but a good agent helps with your search, offers, negotiation, inspections and closing. In Tennessee your agent will explain agency relationships and the written agreement before you tour homes together.

Usually, yes. An inspection can uncover problems with the structure, roof, systems and appliances. Depending on the property, consider a termite (wood-destroying insect) inspection, radon testing, and a septic or well inspection.

A deposit that shows you’re serious. It is typically credited toward your costs if the sale closes. If the deal falls through, your contract determines what happens to it.

A financed purchase typically takes several weeks from accepted offer to closing, depending on financing, inspections, the appraisal and title work.

The home goes under contract. Inspections, financing, insurance, the appraisal and title work follow, then a final walkthrough right before you sign closing documents.

Value depends on location, size, condition, upgrades and recent nearby sales. A Comparative Market Analysis gives the most realistic estimate, and today’s market matters more than what you paid.

Find out your home’s market value, then declutter, clean, make needed repairs and improve curb appeal. In Tennessee sellers typically complete a Residential Property Condition Disclosure (or disclaimer), and we’ll walk you through it.

They include loan fees, title and recording fees, taxes, insurance, and appraisal or attorney fees. Who pays what depends on your contract, loan program and Tennessee requirements.