Is Buying a Home in Roseville More Expensive Than You Think? Here’s the Truth

Q: How much does it really cost to buy a home in Roseville?

Buying a home in Roseville involves more than just list price. Between your down payment, closing costs, inspections, insurance, taxes, and potential HOA or Mello Roos fees, your true budget can shift by tens of thousands. This video breaks down the real numbers buyers need to see.

Q: Why do so many buyers get blindsided by costs?

Because pre-approval doesn’t equal total affordability. You might be approved for $700,000, but once you add taxes, insurance, HOA fees, inspections, and closing costs, your real purchasing power may be closer to $650,000.

Q: What do the price ranges look like across Roseville neighborhoods?

West Roseville (Fiddyment Farm, Blue Oaks, WestPark): $700K–$800K for newer homes

East Roseville (Johnson Ranch, Cirby Ranch, Olympus Point): $600K–$650K for mature communities

I break down the numbers for each area so you can see where your money goes.

Q: What will I actually pay upfront when buying a home?

Down payment, closing costs, appraisal, inspections, and move-in prep typically total $40K–$60K, depending on neighborhood and price point.

Q: What does my monthly payment really look like?

A “$4,000 mortgage” can quickly become $4,500–$4,800 once you add taxes, insurance, HOA dues, and Mello Roos if applicable.

Q: How do new construction vs resale costs compare?

New construction in West Roseville often includes $300–$400/mo in Mello Roos, while older resale neighborhoods usually don’t — lowering your long-term cost of ownership.

Q: Can you show real scenarios?

Yes — I break down two side-by-side examples from Fiddyment Farm and Johnson Ranch so you can see exact upfront and monthly differences.

Q: Can I get a custom cost breakdown for my situation?

Absolutely.
📅 Book a strategy session: https://calendly.com/turnthekeyre/30min

Or comment “cost breakdown” and I’ll send you the full guide with updated local numbers.

00:00 Intro
01:01 Down Payment Breakdown
02:01 Closing Costs Explained
04:06 New Construction vs Resale
04:42 Realistic Scenarios
05:42 Book a call now!

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