If you have no US credit history, some lenders offer "alternative credit" programs using rent payments, utility bills, and bank statements. Decheng can connect you with international buyer specialists.如果您没有美国信用记录，部分贷款机构提供使用租金、水电费和银行流水的"替代信用"方案。游德成可为您介绍专门服务国际买家的贷款机构。
| Item | Amount · 金额 | Note · 说明 |
|---|---|---|
| Conventional down payment | 3–20% | 3% min for first-time buyers |
| FHA loan down payment | 3.5% | Lower credit score option |
| Closing costs | 2–3% of price | Title, lender fees, prepaid items |
| Home inspection | $400–$600 | Paid during option period |
| Moving costs | $1,000–$3,000 | Local vs long-distance |
| Total cash needed (on $350K home) | $25,000–$85,000 | Depending on loan type |
Texas has no state income tax — this is a significant advantage vs California, New York, or Illinois buyers. It also means your qualifying income goes further here than in most states.德州没有州所得税，这是相比加州、纽约或伊利诺伊州买家的重大优势。这也意味着您的收入在这里比大多数州有更强的购买力。
I ask every client to rank their top 5 priorities before we look at a single home. When you're standing in a beautiful kitchen it's easy to forget that it's in the wrong school zone. Written priorities keep us focused.我会在看任何房子之前，请每位客户列出最重要的5个优先事项。当您站在漂亮的厨房里时，很容易忘记它在错误的学区。书面优先事项帮我们保持专注。
In competitive markets, homes get multiple offers. Strategies that help: escalation clauses, larger option fee, flexible closing date, waiving minor repairs. Decheng knows which levers matter most in each situation.在竞争激烈的市场，房子会收到多个报价。有效策略包括：阶梯报价、更高诚意金、灵活过户日期。游德成了解每种情况下哪些因素最关键。
Never waive the inspection — even on new construction. Decheng has seen new homes with significant issues invisible to the naked eye. The $400–$600 inspection fee is the best insurance you can buy. 永远不要放弃房屋检查——即使是新房。检查费$400-$600是您能购买的最值得的保险。
Houston has experienced major flooding events. Always check the FEMA flood map AND ask neighbors about historical flooding — even Zone X homes can flood. Decheng flags all flood history during property searches.休斯顿曾经历多次重大洪水事件。务必查看FEMA洪水地图并询问邻居历史洪水情况——即使是X区的房子也可能被淹。游德成在找房过程中会提示所有洪水历史。
Wire fraud is common in real estate. Always verify wiring instructions by calling your title company directly using a number from their official website — never from an email. Scammers intercept closing emails and change wire instructions.房产电汇诈骗十分普遍。过户前务必通过官网电话直接联系产权公司核实汇款信息——永远不要相信邮件中的账户信息。诈骗者会拦截过户邮件并篡改汇款信息。
Home is not a place — it's where your family is. 家不是一个地方——家是家人在的地方。Welcome to North Houston. Decheng is here for every step of what comes next.欢迎来到北休斯顿。游德成将陪伴您未来的每一步。
Decheng You provides full Mandarin and English buyer representation — free of charge. The seller pays all agent fees.
游德成提供全程普通话和英文买方代理服务——完全免费。所有经纪费用由卖方支付。
Contact Decheng for a free, no-obligation Comparative Market Analysis. He provides an honest price — not an inflated number to win your listing.联系游德成获取免费无义务的市场比较分析。他提供诚实的价格——而不是为了赢得挂牌委托而虚报高价。
Chinese and Indian buyers typically prefer open, uncluttered spaces with neutral colors. Remove excess furniture to make rooms feel larger. A clean, airy kitchen photographs especially well for WeChat and 小红书 posts.华人和印度买家通常偏好开阔整洁、色调中性的空间。移除多余家具让房间显得更大。干净通透的厨房在微信和小红书上的照片效果尤为出色。
Decheng often finds buyers within his WeChat network before a home even hits the MLS — potentially saving you the buyer's agent commission entirely. This is unique to Decheng You in North Houston.游德成经常在房子上MLS之前就在微信网络内找到买家——可能为您节省买方经纪人佣金。这是游德成在北休斯顿独有的优势。
| Cost Item · 费用项目 | Typical Amount · 典型金额 |
|---|---|
| Listing agent commission | 2.5–3% of sale price |
| Buyer's agent commission | 2.5–3% of sale price |
| Owner's title insurance policy | $1,500–$3,000 |
| Title company closing fee | $400–$800 |
| HOA transfer fee | $200–$500 |
| Property tax proration | Varies — credit to buyer |
| Repair concessions (if any) | Negotiated |
| Total seller costs (on $400K home) | ~$25,000–$30,000 |
Get contractor bids before agreeing to repair credits. Buyers often request $5,000 for something a contractor quotes at $800. Knowledge is leverage.在同意维修抵扣之前，先获取承包商报价。买家经常为承包商报价$800的项目要求$5,000的抵扣。了解实际成本就是谈判筹码。
| Item | Amount (example $400K sale) |
|---|---|
| Sale price | $400,000 |
| Remaining mortgage balance | −$180,000 |
| Agent commissions (5–6%) | −$22,000 |
| Title & closing costs | −$4,500 |
| Property tax proration | −$3,000 |
| Repair credits (if any) | −$2,500 |
| Estimated net proceeds | ~$188,000 |
If this was your primary residence for 2 of the last 5 years, you may exclude up to $250,000 ($500,000 married) of capital gains from federal tax. Consult a CPA for your specific situation.如果这是您过去5年中住满2年的主要住所，您最多可以免除$250,000（已婚$500,000）的联邦资本利得税。请咨询注册会计师了解您的具体情况。
Decheng You markets your home in English and Chinese — reaching buyers no other agent can access.
游德成用中英双语营销您的房子——触达其他经纪人无法覆盖的买家。