About the Harker Heights, Texas Area 
 Located in Bell County of Central Texas, the strong and vibrant city of Harker Heights is home to more than 25,000 residents. Its convenient position about 10 miles west of I-35, which connects Dallas, Austin, and San Antonio, creates for a desirable spot to live in this part of Texas.
The real estate market in Harker Heights consists of many military families because of its close proximity to Fort Hood, only a short drive west on Hwy 190. Harker Heights offers real estate for sale ranging from beautiful Texas land on which to build your dream home, to a pre-existing home with a taste of Tuscany. Homebuyers can find affordable housing in safe and friendly single family subdivisions with ranch and contemporary homes for sale. With beautifully landscaped lawns and long, winding streets, Harker Heights residents are proud to live in this city.
The parks and recreation facilities of Harker Heights play a major role in bringing the community together. With nine outdoor leisure areas that offer excellent sport complexes, miles of trails, picnic areas and playgrounds, families can spend their free time doing just about anything. The 34-acre Carl Levin City Park offers a swimming pool, amphitheater, pavilion, and a fishing pond.
Undergoing fast growth, Harker Heights is becoming known as a great place to call home with all that it provides its residents such as many options in dining, entertainment, a public library, and civic organizations. Young residents attend the fine schools of Killeen Independent School District where they receive excellent educational opportunities. For those homebuyers wishing to make Harker Heights a permanent residence, there are numerous career opportunities to choose from.
The real estate market in Harker Heights provides its residents with a peaceful, family-oriented environment. The single family homes for sale are perfect for first-time homebuyers, military families, and those looking for housing with executive-style amenities. A great city worth calling home, Harker Heights provides many real estate options to suit your needs.  Request my Free Harker Heights, Fort Hood, Killeen and Belton Relocation Package. It's packed full of useful and important information about the Harker Heights, Fort Hood, Killeen and Belton, Texas area. Don't move here without it! Remember: I'll send it to you for free and without obligation. Just fill out the form and I will send it right out...
Financing Your Home >Your Financial Cushion
When you calculate how much you will need to purchase a home you will add up the down payment and closing costs. It is also a good idea to leave yourself with some financial cushion to cover the incidental expenses associated with moving.
First, you will have to pay the moving company unless you can find friends with strong backs who will help you. Then many buyers plan to do some work, such as painting, replacing carpet, or refinishing floors. If you are moving into a larger space, you may find yourself making some major furniture purchases within a few months of closing.
A financial cushion is important enough that some lenders require buyers to have an amount in the bank equivalent to two or three months mortgage payments. This is especially true for buyers who are putting less than ten percent down. Your real estate agent can give you guidance. A lot depends on your overall financial situation. If your mortgage is a relatively low percentage of your monthly income, you will be able to rebuild a comfortable amount of savings in a few months.
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| Q |
To what process do the terms closing, escrow, settlement and passing papers refer?
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| A |
These terms, which vary in different parts of the country, describe the conclusion of a real estate sale. |
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