One of the first questions I hear from every first-time buyer who sits across from me is: "How much do I actually need?" It's the right question to ask — and most people are genuinely surprised by the answer. Not because it's more than they imagined (though sometimes it is), but because no one has ever taken the time to break it all down for them honestly. I'm JP, REALTOR® with Coldwell Banker Realty in Old City, Philadelphia and a member of the Cavalcanto Team — Little Big C