The heart of a teacher. The know-how of a Realtor.

Josh Funnell, Kansas City Realtor
Josh Funnell, RealtorThe Richey Real Estate Group · Licensed in MO and KS

Independence·Blue Springs·Lee's Summit·Grain Valley·Raytown·Belton·Raymore·Olathe·Overland Park·Lenexa·Shawnee·Prairie Village·Kansas City, KS·

Where are you headed?

Pick your path. Every one starts with a conversation, not a sales pitch.

How much do you really need down?

Most buyers think it's 20%. It usually isn't. Pick a price to see the real numbers.

Ask me about down payment help →
3% downConventional loan for many first time buyers$12,000
3.5% downFHA loan minimum$14,000
5% downCommon conventional option$20,000
10% downLower monthly payment$40,000
20% downNo PMI on a conventional loan$80,000

Helping you understand every step toward your next KC home.

12

years teaching in KC classrooms

$75M+

closed by the Richey team in 2025

2

states licensed, Missouri and Kansas

13

years as a Blue Springs Wildcat

The stuff nobody explains, in plain English.

Teacher's Take: three quick lessons I get asked about all the time.

What will I actually walk away with when I sell?

Start with your sale price, then take out your mortgage payoff, agent commission, and closing costs like title fees and your share of property taxes. What's left is yours.

My take: commission is negotiable and so are some costs, so I'll show you your real number before you list.

Why is my house payment higher than the calculator said?

Most calculators only show the loan. Your real payment also includes property taxes, homeowners insurance, and mortgage insurance if you put less than 20% down, and it can go up when taxes or insurance do.

My take: before you write an offer, we get the full payment on that exact house, not a guess.

How much cash do I need to close?

More than your down payment. Closing costs usually run about 2% to 5% of the price, including a few months of taxes and insurance paid up front. Your earnest money counts toward the total.

My take: sellers can sometimes help cover closing costs, so we ask for it in the offer when it makes sense.

EveryFriday.

One home, picked for value

Deal of the Week

Every week I go through the homes for sale in our markets and pick the one that's the best value right now. Text me and I'll send it to you every Friday.

Cover of the free KC Home Game Plan guide

Your free KC Home Game Plan

Everything I'd teach you, in one guide. Real KC market numbers, step by step plans for buyers and sellers, neighborhood prices, school grades, property taxes, and down payment help on both sides of State Line.

What clients say

Read all the reviews →

"From the first phone call until the house was sold they are there helping with the process and keeping everything going smooth."
Brian · Google review for The Richey Real Estate Group
"All agents are highly knowledgeable and honest with their clients. They invest their time to ensure that the process is seamless and the right fit based on the needs and wants of the clients."
Shelden Moon · Google review for The Richey Real Estate Group

Have a question?

Thinking about a move but not sure where to start? Reach out however is easiest. No sales pitch, just straight answers from someone who grew up here.