39 yr old , no help
4 br, 2.5 bath, 2576 sq feet, all brick, 19 yrs old at the time
$140k in a better than average, not amazing, middle class neighborhood. My neighbors are teachers, nurses, retired military,respitory therapists, regular folks, lol. (for ME, it was all about the quality of the school district because I had kids in school)
I put about $6 down, the original owners paid the closing costs and bought my home warranty for the 1st year (covers major appliances, the heating and cooling unit, and saved me THOUSANDS).
It's not as easy as I thought it would be. I figured since I had no issues paying $850 a month for a small two bedroom apt, paying a few hundred dollars more a month to buy would be easy.
I was not prepared for the cost of ownership.. the maintenance aspect..Good Lord!..(And unexpected things like losing my job, without warning, less than a year later.)
Even though I was approved for $160k, I only used $140k and in hindsight, I have waaaay too much house. (I live in Texas, so you get A LOT of house for your money. $140k in other cities is a run down shack, but not in San Antonio, lol)
Both of my kids will be gone in less than a year, wtf do I need alladis house for? I plan to sell in a few years and get a condo.