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Miranda Schroeder

A millennial girl's guide to home, life & love.

Buying a House: 3 Up-front Costs I Almost Forgot About

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Buying a House: 3 Up-front Costs I Almost Forgot About | Miranda Schroeder Blog

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At age 27, I am in the process of buying my FIFTH house. I feel slightly insane moving again after just recently purchasing a new home earlier this year, but when your dream house down the street hits the market, you jump.

Despite having bought 4 houses in the past 7 years, I still forget the up-front hidden costs involved. Most people know they have to save for a down payment, but surprise, there are many other things you have to pay for before you even get to closing!

Buying a House: 3 Up-front Costs I Almost Forgot About | Miranda Schroeder Blog

www.mirandaschroeder.com

#1 Earnest Money

When you put an offer in on a house and it is accepted, you have a certain period of time to send over earnest money. This is typically 1% of the purchase price to prove your serious interest for the property. Earnest money eventually gets applied to your total costs, but you have to be prepared to pay it up-front.

#2 Inspection(s)

Once your offer is accepted, you will likely pay for an inspection. There is your typical home inspection plus speciality services such as a sewer scope and/or radon testing. These are often individual costs and depending on your area, it may be smart to pay for all three. I want to say we paid around $800.00 for radon, sewer and the general home inspection. This will likely fluctuate depending on your area.

#3 Appraisal

Another up-front cost that I completely forgot about was the appraisal. We recently paid around $450.00 to have our new house appraised, which is a must if you are securing a loan to purchase your home.

Buying a House: 3 Up-front Costs I Almost Forgot About | Miranda Schroeder Blog

www.mirandaschroeder.com

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It’s fairly common knowledge that you need a down payment to buy a house, but these up-front costs are often overlooked and may be a surprise when you put an offer in on your first home.

Other additional costs besides the down payment include closing costs such as a loan origination fee, property taxes, and title fees. Plus, don’t forget to account for the commission paid to your real estate agent.

I hope this insight will help make your home buying experience smooth as butter! Have questions for me? Leave a comment or send me a DM on Instagram.

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I’m a newlywed living in Indianapolis, Indiana with my hubby and two pups, Porter and Piper. I wear a lot of hats, like blogger, marketing manager and small business owner. I believe everyone has the power to create a home, life & business that they LOVE. Don’t forget to subscribe for all the juicy updates I send out each week!

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My Unconventional Goals for 2021

You guys said you would be up for some progress sh You guys said you would be up for some progress shots, so here we go! A little corner of our room that might not look like much, but man, a lot of work went into getting it here 🥰 #historichomes #renovation #bedroominspo
Throwback to one of our previous kitchens (that I Throwback to one of our previous kitchens (that I completely transformed with $500.00) because it is a constant reminder that you can make your home your own without spending thousands of dollars! 💸⁠⠀
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I've been sharing all the BTS of current house projects in my stories. We are definitely hiring things out here and there this time, but still sticking to a tight budget.⁠⠀
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So tell me what you do/don't want to see on the feed! Photos of our previous homes? Progress shots? My face? Andrew's face? Our dogs? 😆 Idk. You tell me!⁠⠀
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Even though progress feels slow, we have major things happening in the next few weeks!⁠⠀
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Next week, ceilings and walls are getting smoothed, patched and prepped for paint. Once they are done, I'm breaking out my paintbrush before our downstairs floors get refinished the week of the 25th.⁠⠀
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I AM SO EXCITED to see this come together 🥳 I'm ready to shop for furniture/art and to decorate.⁠⠀
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#thoughtfullythrifted #sodomino #currentdesignsituation #apartmenttherapy #myhousebeautiful #finditstyleit #instahome #currenthomeview #mydomaine #designsponge #mybhg #bhghome #myhomevibe #bohemianhome #thisiswhyihavetothriftshopeveryday #housetour #modernhome #mydomaine #pocketofmyhome  #myeclecticmix #myhomevibe #homeblogger #mypinterest
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#thoughtfullythrifted #sodomino #currentdesignsituation #apartmenttherapy #myhousebeautiful #finditstyleit #instahome #currenthomeview #mydomaine #designsponge #mybhg #bhghome #myhomevibe #bohemianhome #thisiswhyihavetothriftshopeveryday #housetour #modernhome #mydomaine #pocketofmyhome  #myeclecticmix #myhomevibe #homeblogger #mypinterest
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