Closing costs can add up to more than $10,000, but buyers have strategies to reduce them.
Local banks may offer grants, credits, or fee waivers that cut costs without repayment obligations.
Conventional loans with larger down payments often reduce costs compared to FHA or VA loans.
Rolling costs into the mortgage lowers upfront cash needs but raises payments.
Paying commissions directly can shrink closing costs, taxes, and future property bills.