Think You're Ready to Buy Your First Home? Don’t Skip These!

Buying your first home is exciting—but it’s easy to miss important details when you’re caught up in the moment. Most first-time buyers focus on listings, showings, and down payments... but forget about hidden costs, future plans, and critical paperwork.

Here are 5 commonly forgotten things every first-time buyer should keep in mind:

1. Closing Costs Aren’t Just a Bonus Expense

You’ve saved for the down payment—but what about closing costs? These can be 2–5% of the home’s price and include things like inspection fees, title insurance, and loan origination charges.

2. Your Credit Score Needs Ongoing TLC

A pre-approval is not a free pass. Lenders re-check credit before closing—so avoid opening new credit cards, financing a car, or missing payments during escrow.

3. Property Taxes and HOA Fees Can Sneak Up on You

Your mortgage payment isn’t the whole story. HOA fees, local taxes, and maintenance costs can easily add a few hundred bucks per month to your budget.

4. Don’t Skip the Home Inspection (Even if it Looks Perfect)

It’s tempting to waive inspection to “win” the offer—but this can lead to expensive surprises later. Even new homes can have plumbing, roofing, or electrical issues.

5. Think Beyond Today—Will This Home Still Fit in 5 Years?

You’re buying for your future. Ask: Will this location still work if your job changes? What about growing your family or resale potential?

Buying a home isn’t just about price—it’s about long-term comfort and confidence. A little prep now can save you a lot of stress later.