There are mortgage options now available that only require a down payment of 5% or less of the purchase price. But the larger the down payment, the less you have to borrow, and the more equity you'll have. Mortgages with less than a 20% down payment generally require a mortgage insurance policy to secure the loan. When considering the size of your down payment, consider that you'll also need money for closing costs, moving expenses, and possibly repairs and decorating.
Install window air conditioners snugly. Insulate spaces around air conditioners for a tighter fit. An air conditioner with a tight fit around the windows or wall openings will make less noise and allow less hot air in from the outside. Check air-conditioning ducts for proper insulation. Insulation around ducts prevents cool air from leaking and keeps it directed through the vents.
Make sure your home is properly insulated. This will help you to conserve electricity and reduce your home’s power demands for air conditioning.
Weather-strip doors and windowsills to keep cool air inside, allowing the inside temperature to stay cooler longer.
During a drought, conserve water by placing a brick, or another large solid object, in your toilet tank to reduce the amount of water used in flushing.
Consider keeping storm windows installed throughout the year. Storm windows can keep the heat out of a house in the summer the same way they keep the cold out in the winter Protect windows. Hang shades, draperies, awnings, or louvers on windows that receive morning or afternoon sun. Outdoor awnings or louvers can reduce the heat entering the house by as much as 80 percent.
If you have a fan installed to vent warm air out of your attic, use the fan to help keep your home cool.