Don't give up your dream of buying in The Villages. When you work with a sales person. make them aware of your budget or your pre-qualification for your loan. If your budget (I like round numbers) is $100,000.00, you could look for a property that has no bond and is $100,000.00 or a house that is $92,000.00 with and $8,000.00 bond. The bond is typically included in a new construction loan and is added prior to buying. In The Villages case, it is handled differently.
In terms of closing costs, there are always costs to purchase a property. They may vary somewhat from state to state or county to county, but when buying you need to plan on closing costs. The sales person will provided you with a buyer's estimated cost sheet and will be a fair and accurate number. Not exact, but pretty close.
Your first step is to find an MLS Agent AND a Villages Sales Person to help you with the details and your concerns.
Good luck in achieving your dream.
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