What Money You'll Need to Buy a Home Loan Application.

1.  Sometimes lenders charge you to make a loan application. $25 to $50.

2.  Earnest Money Deposit. This amount of money can vary depending on the price of the home you are buying. Up to $200,000 you can get away with an earnest money deposit of $500 to $1000. As you get closer to $300,000, you will probably have to have an earnest money check for $3000 or more.

3.  Home Inspection. The price of a home inspection will vary on the appraisal and on the size of the home, but the average home inspection will cost you $499.

4.  Appraisal. The lender will ask you to pay for the appraisal before closing, so be prepared to pay $499 for an appraisal.

5.  Down payment. Your lender can tell you exactly what your down payment will be. If your home purchase is under $271,000, you will need 3.5% of the loan value as a down payment for an FHA loan. VA & rural loans require no down payment if you apply for them. Conventional loans require 10% to 20% down.