Learning Center


Learn more about the ins-and-outs of buying real estate in this ever-changing marketplace. Feel free to ask questions, too!


Selling real estate is an art, not a science. Learn more about some of the commonly asked questions and most common pitfalls as a home seller.

Foreclosures & Short Sales

These two phrases have become a staple in our lexicon these days. Read more about what they are and how the affect you as a buyer or a seller.

Financing & Title

Two of the biggest players on your team are your lender and your title company. Learn more about why — and how — they do what they do for your real estate transaction.

Common Questions

The most significant upfront expense when purchasing a home is the down payment. The amount of down payment required for a mortgage varies from lender to lender. It may be as much as 20% or as little as 3.5% of the purchase price, depending on your credit, your debt-to-income ratios, and whether you qualify for special programs. Additional upfront costs include earnest money to accompany your home bid, a home inspection, and closing costs (insurance, taxes and other fees due at closing). These costs can be significant, so discuss them in advance with your agent and your lender.

Contact Us

Can’t find the answer here?
Have some suggestions for us?

Circa's Office
601 E Lockwood
Webster Groves, MO 63119

office: 314-352-5200
fax: 314-352-5209

Stay tuned & Stay social

There are plenty of options for you to stay sharp on all of our latests projects, news and events!


Follow Us


Like Us



Subscribe to RSS - How much money do I need upfront to buy a home?