SOM_Journey to Home Ownership

Costs that come with buying a home

OTHER EXPENSES TO SAVE FOR

Aside from the actual real estate transaction, there are several other fees that come with buying a home. These will vary depending on your situation, but be sure you also save for: • Utility bills. Moving from an apartment to a house? ŏ If ŏ you weren’t paying for water and garbage before, ŏŏ be ŏ aware that you’ll be responsible for these going forward, in addition to your normal utilities. • Moving costs. From packing supplies to hiring a  ŏ moving company, moving can hit you with a lot of  ŏ unexpected expenses. Make sure you budget and ŏ save  ŏ for these ahead of time. • Homeowners’ Association (HOA) fees. If you move  ŏ to a condo  townhouse, or subdivision, you may have ŏ to  pay a monthly HOA fee to cover amenities, which ŏ may  include trash removal, lawn care, and access to a ŏ community clubhouse, pool, or golf course, to name a ŏ few. • Maintenance and repairs. Owning a home includes  ŏ the added responsibility of upkeep. If an appliance  ŏ breaks down or your roof starts to leak, you’ll have to  ŏ cover the costs to repair it.

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