{"version":"1.0","type":"card","id":"62ad7569-22e5-422a-8d3a-95a26352ee93","url":"https://stacklist.com/card/62ad7569-22e5-422a-8d3a-95a26352ee93","title":"Demystifying Closing Costs: What First-Time Homebuyers Need to Know","source_url":"https://www.contourmortgage.com/news/demystifying-closing-costs-what-first-time-buyers-need-to-know","note":"Don’t get caught off guard by closing costs! Learn what they include, how to budget, and smart strategies to manage them as a first-time homebuyer.","image":{"url":"https://ucarecdn.com/3d856965-930e-4aab-a8ad-f748c23a815b/","alt":"Demystifying Closing Costs: What First-Time Homebuyers Need to Know","width":2250,"height":1667},"stack":{"id":"55f6c48e-1212-4d10-91ff-4dcd21ca867d","title":"First-Time Homebuyer Resources","url":"https://stacklist.com/c/home/stack/55f6c48e-1212-4d10-91ff-4dcd21ca867d"},"created_at":"2026-07-23T11:06:33.622Z","updated_at":null,"aco":{"summary":"Closing costs are fees associated with finalizing a mortgage and transferring property ownership, typically ranging from 2% to 5% of the home's purchase price. This guide breaks down common closing cost components, including application fees, appraisal fees, title insurance, origination fees, and prepaid taxes, while offering strategies for first-time buyers to manage these expenses.","tags":["closing-costs","first-time-homebuyers","mortgage","home-purchase","real-estate","down-payment","loan-fees"],"key_entities":[{"name":"Contour Mortgage","type":"organization","confidence":0.98},{"name":"Closing Costs","type":"concept","confidence":0.99},{"name":"First-Time Homebuyers","type":"concept","confidence":0.95},{"name":"Title Insurance","type":"concept","confidence":0.85},{"name":"Origination Fee","type":"concept","confidence":0.82},{"name":"Fannie Mae","type":"organization","confidence":0.75},{"name":"Freddie Mac","type":"organization","confidence":0.75}],"classification":"reference","language":"en","confidence":0.85,"provenance":{"model":"claude-opus-4-6","tool":"@stacklist/mcp-server@2.0.0","confidence":0.85,"timestamp":"2026-07-23T11:06:44.388Z"},"token_counts":{"approximate":2671,"cl100k":2143},"content_hash":"sha256:70a5b58c856450e5bc6d8945dd377770e5719a2b2c27cde395289faa427016c6","acp_version":"0.2","body_available":true,"body_tokens":2671,"visibility":"public","agent_accessible":true,"status":"final"},"_links":{"self":"/api/public/card/62ad7569-22e5-422a-8d3a-95a26352ee93.json","html":"https://stacklist.com/card/62ad7569-22e5-422a-8d3a-95a26352ee93","md":"/api/public/card/62ad7569-22e5-422a-8d3a-95a26352ee93.md","stack_json":"/api/public/stack/55f6c48e-1212-4d10-91ff-4dcd21ca867d.json"}}