Those of you who bought your first property in the last 3 years — what did it actually cost you?

I'm trying to build a realistic picture of what homeownership actually looks like before I pull the trigger. I make $60K now and plan to job-hop to ~$80K before buying. Looking at $300K–$400K homes in South/Central Jersey.

For those who've done it recently:

* What was the purchase price, and how much did you put down?

* How much did you spend out of pocket total (down payment + closing costs + anything else)?

* Did you get closing costs covered or rolled into the loan?

* Did you buy on a single income or qualify with multiple?

* What's your rough salary range and monthly mortgage payment?

* What was your strategy — stocks vs. HYSA for saving the down payment?

* What general area did you buy in?

• How's homeownership treating you financially — any regrets?

Any insight is appreciated!