Published April 2, 2026

What Are the Hidden Costs of Buying a Home?

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Written by Molly Haines

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Beyond the purchase price, expect closing costs of 2-5% of the loan amount, home inspection $400-600, appraisal $500-800, moving costs, immediate repairs, HOA fees if applicable, and higher utility bills. In Washington State, budget an additional $15,000-25,000 beyond your down payment. An experienced agent helps you anticipate and negotiate many of these costs.


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