There are times when you have just one hand free to both hold the nail in place and hammer. One hand nailing is easier than it sounds. Simply wedge the nail between the hammer's claw with the point facing forward and the nail head resting on the hammer head base. Swing the hammer with the nail/claw facing forward. The force should give the nail a start into the surface. Remove the claw from the nail, and finish the job with the hammer head side.
Double-pane windows with low-e coating on the glass reflect heat back into the room during the winter months.
There may be closing costs customary or unique to a certain locality, but closing costs are usually made up of the following: Attorney's or escrow fees (yours and your lender's if applicable). Property taxes (to cover tax period to date). Interest (paid from date of closing to 30 days before first monthly payment). Loan origination fee (covers lender's administrative costs). Recording fees. Survey fee. First premium of mortgage insurance (if applicable). Title insurance (yours and your lender's). Loan discount points. First payment to escrow account for future real estate taxes and insurance. Paid receipt for homeowner's insurance policy (and fire and flood insurance if applicable). Any documentation preparation fees.
If you find that today's home prices require you to make compromises (as is probably the case for most first-time buyers) look for homes that you could expand or upgrade in the future, to add the space or amenities you can't afford today.