Cover of Closing Costs

4 chapters · 16238 words · Read 0 times

A man just out of college is looking to buy his first house. His real estate agent happens to be a hot woman about his age.

Chapter 1: Master Bedroom, Master Negotiation

The key turned with a sticky grind, and Ethan shouldered the door open into a wall of stale heat. The house had been closed up for months, and the air inside was thick, motionless, tasting faintly of dust and old carpet glue.

He stepped into the foyer and immediately felt the floor dip beneath his weight. Just a little. A subtle sag, like the house was exhaling.

"Good bones," he muttered to himself, because that was what the listing said. Good bones, tons of potential, bring your vision. The vision part was where Ethan always got stuck. His vision usually involved a spreadsheet, a carefully itemized budget, and a contractor he couldn't afford.

He pulled out his phone and checked the time. 5:47. She was late.

That was fine. That was good, actually. It gave him time to walk the property alone, to catalog the problems before he had to pretend he knew what he was looking at. He moved through the living room, noting the water stain on the ceiling shaped vaguely like Florida, the outlet that sparked when he toggled the light switch. The kitchen smelled like something had died in the walls, but the cabinets were solid oak. Original hardware.

He was in the middle of opening and closing the same cabinet door, trying to decide if the hinges were salvageable, when he heard the front door creak open behind him.

"Knock knock," a voice called out. Warm. Teasing. "Or should I say, hello hello, future homeowner?"

Ethan turned too fast and nearly clipped his shoulder on the corner of the upper cabinet. He stepped into the hallway and there she was, framed in the dusty light of the entryway, already smiling like they were old friends.

Jade Moreau. He'd seen her face on the agency's website, but the photos hadn't done her justice. Dark curls tumbled past her shoulders, and she had this way of standing like she owned every square inch of the space she occupied. Which, technically, she did. Sort of. Until it sold.

"Sorry I'm late," she said, stepping inside and letting the door swing shut behind her. "Traffic was a nightmare. Also I stopped for coffee, and the barista was new, and I had to walk her through the entire process of making a latte. It was a whole thing."

"No problem," Ethan said, and his voice came out a little too high, so he cleared his throat. "I was just, uh, looking around."

"I can see that." Her eyes flicked to the open cabinet behind him, then back to his face. "Find anything interesting?"

"Water stain shaped like Florida."

"Ah, the Florida room. Every house has one." She walked past him into the kitchen, her heels clicking against the tile, and ran a hand along the countertop. "Butternut granite. That's a nice touch. Or at least it was, circa 2003."

"Is that... good?"

"It's not bad. It's dated. There's a difference." She turned to face him, leaning back against the counter. "So. First-time buyer, right? I remember your email. Very thorough. I appreciated the bullet points."

Ethan felt his ears go red. He'd sent her a two-page email with sections and subheadings. Must-haves. Nice-to-haves. Absolute dealbreakers. It had taken him three hours to write.

"I like being organized," he said.

"I could tell." Her smile softened, just a little. "It's kind of cute."

The word cute landed somewhere in his chest and stuck there, warm and uncomfortable. He didn't know what to do with it, so he defaulted to business.

"So, uh, the square footage. The listing said twenty-two hundred, but the county records show—"

"Ethan."

He stopped.

"You're doing the thing."

"What thing?"

"The thing where you talk about square footage instead of actually looking at the house." She pushed off the counter and walked toward him. "You're in the space. You should feel it."

"Feel it?"

"Yeah." She stopped a few feet away, close enough that he could smell her perfume. Something soft. Vanilla, maybe. "Does it feel like home?"

He looked around. At the peeling wallpaper, the cracked tile, the ceiling that was definitely sagging in the corner. "It feels like a lot of work."

She laughed. It was a real laugh, not the polite kind, and it lit up her whole face. "Okay, fair. But that's not what I asked."

"I don't know," he admitted. "I'm not good at this."

"At what?"

"At... trusting my gut. I like data. Numbers. Things I can prove."

Jade tilted her head, studying him. "You know what I've learned after five years of selling houses? The numbers don't mean shit if the space doesn't make you feel something."

"That sounds like something a real estate agent would say."

"It is." She grinned. "But it's also true."

She turned and headed for the stairs. "Come on. I saved the best for last."

He followed her up, trying very hard not to stare at the way her skirt moved, the way her hips swayed with each step. The staircase creaked under their combined weight, and he made a mental note to add that to the spreadsheet. Stair integrity: questionable.

"Don't worry about the creaking," she said, as if reading his mind. "It's just cosmetic. Old houses talk. You learn to listen."

"To the house."

"To the house. To the floors, the walls, the pipes. They'll tell you what they need." She glanced back at him over her shoulder. "You just have to be patient enough to hear it."

At the top of the stairs, she led him down a narrow hallway. The doors to the smaller bedrooms were closed, gathering dust. She bypassed them all and stopped at the end of the hall, hand on the knob of the master bedroom door.

"Ready?" she asked.

"For what?"

She pushed the door open.

The room was empty except for a bare mattress on a simple metal frame, pushed against the far wall. But that wasn't what made Ethan stop in the doorway, his breath catching somewhere in his throat.

The windows.

Floor-to-ceiling, stretching across the entire eastern wall, framing the city skyline in a wash of golden light. The late afternoon sun spilled across the cream carpet in long, warm stripes, and the whole room seemed to glow like something out of a dream. The skyline shimmered in the distance, each skyscraper catching the light, and for a moment, Ethan forgot about the sagging floors and the water stains and the smell of dead things in the walls.

It was beautiful.

"See?" Jade said softly, stepping into the room beside him. "I told you. Best for last."

He walked toward the windows, drawn by the light, and stood looking out at the city. His city, maybe. If he could afford it. Which, he probably couldn't, but for this one moment, standing here in the golden hour, it felt possible.

"This is..." He trailed off, searching for the right word.

"Home," she finished for him. "This is what home feels like."

He turned to look at her, and she was already watching him, something unreadable in her dark eyes. She'd moved closer without him noticing, close enough that he could see the slight flush on her cheeks, the way her lips parted just barely.

"The square footage," he started, because he didn't know what else to say, because he was nervous, because she was standing right there and he could feel the heat coming off her skin. "The listing said twenty-two but the county records—"

"Ethan."

"Yeah?"

She reached past him and pushed the door shut. It clicked into place, and suddenly the room felt different. Quieter. More private. Like the two of them had stepped into a separate world, sealed off from everything else.

"Stop talking about square footage," she said, and her voice was lower now, rougher, all the teasing gone. "You're ruining the mood."

"What mood?"

She didn't answer. She just put her hand flat on his chest and pushed.

He stumbled back, caught off guard, and the edge of the mattress hit the backs of his knees. He went down, and she went with him, crawling onto the mattress and straddling his thighs before he could fully process what was happening. Her skirt was already hiked up around her waist, and he could feel the heat of her through his jeans, the weight of her settled right there against his cock.

"Jade—"

"Shh." She pressed a finger to his lips. "This is the real inspection."

He stared up at her, heart pounding so hard he was sure she could feel it through his chest. The golden light caught the edges of her hair, creating a halo around her head, and she looked like something out of a fantasy. Something he definitely hadn't put in his spreadsheet.

"You want to know if this house is worth it?" she asked, rocking her hips just slightly, just enough to make him gasp. "Then you need to feel it."

He wanted to say something smart, something that would prove he was in control, but she rolled her hips again, and every coherent thought evaporated from his brain.

"I—"

"Shut up," she said, but she was smiling. "Unless you're going to beg. Then you can talk."

She reached between them and unzipped his jeans, her fingers quick and practiced, and then she wrapped her hand around his cock and pulled him free. He was already hard, achingly hard, and the first stroke of her fingers made him shudder.

"See?" she murmured, stroking him slow, almost lazy. "You feel that? That's what home feels like. That's what you've been looking for."

He opened his mouth to respond, but then she shifted and sank down onto him, taking him in one wet, sliding motion, and the words turned into a broken moan.

She was so fucking tight. Hot, wet, clenching around him like she'd been built just for this. He threw his head back against the bare mattress and squeezed his eyes shut, trying to hold on, trying not to come right there like a teenager.

"Look at me," she said, her voice sharp, and he obeyed. "I want you to see this."

She started moving. Slow at first, grinding down on him in a rhythm that was almost cruel in how good it felt, and then faster, harder, her hips working him like she was punishing him for something. One hand braced on his chest, the other gripping the metal headboard, and she rode him like she owned him, like she'd been waiting all day to do exactly this.

"God," he gasped. "Oh my god."

"That's it," she said, breathless now, her rhythm faltering slightly. "That's it, baby. You're doing so good."

He wasn't doing anything. He was just lying there, holding on to her hips and trying not to come, but he couldn't form the words to say it. He couldn't form any words at all. He could only watch her, watch the way her tits bounced under her blouse, the way her head fell back when she hit a particularly good angle, the way her lips parted on a moan that went straight to his cock.

"You want this house," she said, and it wasn't a question. "Tell me you want it."

"I want it."

"Tell me you'll do anything for it."

"I'll do anything."

She leaned forward, her hand sliding up from his chest to his throat. Not squeezing, just there, a hint that she could if she wanted to. "Tell me you'll beg."

"Please," he said, and his voice cracked. "Please, Jade, please—"

"Please what?"

"Please don't stop. Please let me—I need—"

"You need to come?" She was panting now, her rhythm uneven, her fingers digging into the headboard. "You need to come inside me and claim this house as yours?"

"Yes. Yes. Fuck. Yes."

She rode him harder, faster, and he could feel the pressure building in his spine, white-hot and inevitable. He tried to hold back, tried to make it last, but she leaned down and whispered in his ear, "Let go, Ethan. I've got you."

And that was it. He came with a broken groan, his hips bucking up off the mattress, his hands fisting in the sheets as he emptied himself inside her. She kept moving through it, drawing it out, milking every last shudder from him until he was limp and gasping beneath her.

When she finally stilled, she stayed there for a moment, both of them breathing hard, the room suddenly very quiet except for the distant hum of the city outside.

Then she climbed off him, smoothed her skirt, and walked to the door.

"The offer expires at midnight," she said, hand on the knob, not looking back.

"Wait, what?"

She opened the door and stepped into the hallway. "You heard me. Midnight. I'd suggest you check your email."

The door clicked shut behind her, and Ethan lay there on the bare mattress, jeans around his thighs, come drying on his stomach, staring at the ceiling and wondering what the hell had just happened.

The sun continued its slow descent outside, painting the city in shades of orange and pink. Somewhere below him, he heard the front door open and close.

And then the house was silent.

And then the house was silent.

Ethan lay there for a long time. Long enough that the golden light shifted from warm amber to a deeper, burnt orange, the shadows stretching longer across the cream carpet. His heart was still hammering, his skin still prickled with sweat, and the ghost of her weight on his thighs refused to fade.

What the fuck just happened.

He sat up slowly, his body protesting the movement. His jeans were tangled around his ankles, his shirt twisted up around his ribs, and he could feel the sticky evidence of what they'd just done cooling on his stomach. He looked around the empty room like someone might be watching, like the bare walls might have opinions about what they'd just witnessed.

They didn't. The room was as empty as it had been when they walked in.

He pulled his jeans up, wincing at the mess, and tucked himself away with hands that wouldn't stop shaking. Not from nerves, exactly. From something else. Something that felt a lot like the floor dropping out from under him.

The offer expires at midnight.

He grabbed his phone from his pocket, nearly dropping it twice. The screen was a cracked mess of notifications—three emails from work, a text from his mom asking if he'd remembered to eat dinner, a Duolingo reminder that he was about to lose his five-day streak. Nothing from Jade.

He opened his email and refreshed.

Nothing.

Refreshed again.

Still nothing.

He checked the time. 6:52. He had five hours and eight minutes. Plenty of time. Except he had no idea what he was supposed to be waiting for, or what he was supposed to do when it arrived.

He wandered downstairs in a daze, running his hand along the wall for balance. The kitchen still smelled like something had died in the walls, but he barely noticed. His brain was too busy replaying the last twenty minutes on a loop—the way she'd pushed him down, the way she'd looked at him like he was something worth devouring, the way she'd said his name when she came.

He'd never had sex like that. Not even close.

His phone buzzed in his hand, and he nearly threw it across the room in his rush to check.

It was his mom.

Did you eat dinner?

He typed back a quick yes and shoved the phone in his pocket, pacing the length of the living room. The Florida-shaped water stain watched him from the ceiling like a judgmental eye.

Maybe she was messing with him. Maybe the whole thing was some kind of elaborate test, and he'd failed spectacularly by coming in under three minutes and then lying there like a beached whale while she walked out the door.

Or maybe she was serious.

The thought made his stomach flip in a way that had nothing to do with the dead thing in the walls.

He checked his email again. 7:14.

Nothing.

He sat down on the bottom step of the staircase, elbows on his knees, head in his hands. The house creaked around him, settling into the cooling evening, and he tried to listen to it the way she'd told him to. Listen to the floors. Listen to the walls. What were they saying?

They were saying you're an idiot, Ethan. You let a beautiful woman ride you on a bare mattress and then she left and you didn't even get her number.

He groaned and rubbed his face.

His phone buzzed again.

He yanked it out of his pocket so fast he nearly dropped it. The screen lit up with a new email notification, and his heart slammed against his ribs.

Jade Moreau. Subject line: Tonight.

He stared at it for a full ten seconds before he opened it. His thumb hovered over the screen, and he had a sudden, vivid image of her watching him through some hidden camera, laughing at how pathetic he was.

He opened it anyway.

The email was short. Three lines. No greeting, no signature, just her name at the bottom.

Offer on the table. $285,000. Seller wants a response by midnight. The house needs work, but you already know that. Question is, do you want it bad enough to make it yours?

P.S. The mattress is new. I checked.

He read it three times. Then a fourth. Then a fifth, just to make sure he wasn't hallucinating.

Two hundred eighty-five thousand. That was almost twenty grand under asking. That was almost thirty under what he'd budgeted as his absolute maximum. That was—

That was a gift.

Unless it wasn't. Unless the house was a bigger disaster than he thought. Unless the foundation was cracked all to hell and the roof was about to cave in and the whole thing was a money pit disguised as a golden opportunity.

But she'd said good bones. She'd said the creaking was cosmetic. She'd said—

She'd said a lot of things, most of them with his cock inside her.

He checked his bank app. He checked his savings. He checked the pre-approval letter he'd saved to his notes app six months ago, back when this whole thing seemed like a fantasy he'd never actually achieve.

It was doable.

It was more than doable. It was stupid not to do it.

But something nagged at him. Something about the way she'd left, the way she'd said the offer expires at midnight like she was daring him, like she was testing something. What if this was a game to her? What if she did this with all her clients?

He didn't know, and he had no way of finding out.

He opened a new note and started a pros and cons list, because of course he did. It was the only thing that made sense. The only thing that felt solid under his feet.

Pros: Under budget. Good location. Decent square footage. Solid cabinets. That view. The way the light came in through those windows, the way the whole room seemed to glow. The way she'd looked at him when she said this is what home feels like.

Cons: Water damage. Questionable wiring. The smell. The Florida stain. The fact that he had no idea what he was doing. The fact that he'd probably set something on fire within the first month. The fact that Jade Moreau had just fucked him on a bare mattress and he had absolutely no idea what that meant.

He stared at the list for a long time.

Then he deleted it and started a new one.

Just one line.

Do you want it bad enough?

The answer was yes. It had been yes the moment he walked through the front door and felt the floor dip beneath his weight. It had been yes when he saw those windows. It had been yes when she pushed him down and climbed on top of him and told him to beg.

He picked up his phone and hit reply.

I want it.

He sent it before he could second-guess himself.

Then he sat there on the bottom step, phone clutched in his hand, and waited for a response that might never come.

The house settled around him, creaking and groaning, and this time he listened.

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