Russian-Speaking Realtor in Houston — Oksana Bogott

In our $325,000 example, a 20% down payment is $65,000. Closing costs, inspections, moving and reserves are separate. Your lender’s written estimate determines your actual cash requirement.

CFPB gives a typical 2–5% range excluding the down payment: $6,500–$16,250 on $325,000. This is general guidance, not a Houston quote; use your Loan Estimate and final disclosure.

There is no guaranteed timeline. Search, underwriting, appraisal, title and repairs affect the closing date. For most covered mortgages, the Closing Disclosure must arrive at least 3 business days before closing; agree a realistic schedule with your lender.

Remote tours and coordinated inspections can support a purchase. Before committing, confirm financing eligibility, identity documents, signing arrangements and any applicable ownership restrictions with the lender, title company and qualified counsel.

Compare final price, completion date, taxes after construction, condition and contract terms. A builder incentive can depend on a particular lender or deadline. A new home still deserves an independent inspection.

Our 2.0%, 2.5% and 3.0% budget scenarios equal $541.67, $677.08 and $812.50 monthly on $325,000 before exemptions, using price as an illustrative tax base. These are scenarios, not verified neighborhood rates. Check each address and tax year.

A Municipal Utility District provides designated utility services and may levy taxes. Check whether its tax is already included in the quoted combined rate so it is counted once.

Most homeowners policies do not cover flooding. Obtain a separate flood quote and review limits, deductibles and effective dates. A location outside a mapped high-risk zone can still flood.

It reduces eligible taxable value for a qualifying principal residence. It is not a flat discount on every bill. Confirm eligibility and apply through the appraisal district; do not assume the seller’s exemptions become yours.

Use the exact address in the school district’s official attendance tool, then confirm directly with the district for the relevant school year. City names and listing descriptions do not establish enrollment eligibility.

No responsible estimate is a guarantee. Comparable sales, competing listings, price, condition and buyer financing affect timing. Request a property-specific pricing and preparation plan instead of relying on a metro average.

Yes. Oksana assists with commercial purchases, leasing and business relocation. Define permitted use, parking, build-out needs and the full occupancy cost before committing. Specialized legal and technical reviews remain important.