💡 The Hidden Costs of Buying a Home (That Most Buyers Don’t See Coming)
Buying a home is one of the most exciting milestones in life — but it can also come with a few surprises if you’re not prepared. Beyond the purchase price and mortgage, there are other costs that can add up quickly if you’re not planning for them.
That’s why working with a Realtor like Fernanda Stucken is so important — not just to find you the right home, but to help you plan for every dollar involved.
Here’s a breakdown of the hidden costs of buying a home — and how to prepare like a pro.
1. 💼 Closing Costs (Typically 2–5% of the Purchase Price)
Most buyers focus on their down payment, but closing costs often come as a surprise.
These can include:
Loan origination fees
Title insurance
Appraisal and survey fees
Escrow and prepaid property taxes
Attorney or title company fees
📌 On a $350,000 home, closing costs could range from $7,000–$17,500.
Fernanda will help you get accurate estimates upfront so you’re not caught off guard on closing day.
2. 🛠️ Home Inspection & Appraisal Fees
Before finalizing a purchase, your lender will require an appraisal, and you'll want a home inspection to uncover any hidden issues.
Home inspection: ~$350–$600
Appraisal: ~$400–$700
These fees are paid out of pocket during the process, not included in your loan.
🎯 Fernanda connects you with reputable, affordable inspectors to protect your investment.
3. 🔑 Moving Expenses
Don’t forget the actual cost of getting into the home:
Professional movers or a rental truck
Storage (if there’s a gap between closings)
Utility transfers, deposits, and service setup
New furniture, paint, or minor updates
These costs vary based on the distance of your move, but it's smart to budget an extra $1,000–$3,000, depending on your situation.
4. 🧰 Repairs and Maintenance (Especially for Resales)
Even in great shape, no home is perfect. Budget for:
Minor repairs (fixtures, doors, locks)
New appliances (if not included)
Landscaping, pressure washing, or fence repairs
Unexpected fixes after inspection
💡 Fernanda always advocates for repair credits or price adjustments to ease your burden — but it helps to set aside funds just in case.
5. 🏠 Homeowners Insurance, HOA Fees & Taxes
Your monthly mortgage is just one part of the equation.
Other recurring costs include:
Homeowners insurance (~$1,200/year in FL on average)
HOA fees (can range from $50–$400+/month)
Property taxes (varies by county and home value)
Fernanda reviews all of these during your initial buyer consult so you know exactly what to expect.
🙋♀️ Why Buyers Trust Fernanda
Fernanda isn’t just here to sell you a home — she’s here to protect your wallet and peace of mind.
She provides:
Full breakdown of every cost from day one
Honest advice on what’s worth spending — and what’s not
A team of trusted professionals who won’t overcharge
A stress-free buying process with zero surprises
🎯 Buying Soon? Let’s Talk Strategy
📞 Call or text Fernanda at (347) 216-6620
📧 Email: contact@fernandastucken.com
🌐 Visit: www.fernandastucken.com
Knowledge is power — and peace of mind.
Let’s make your next move your smartest one yet. 🏡
