Everyone focuses on the sale price when buying a home—but that’s only part of the picture. In 2025, buyers in Augusta are learning the hard way that hidden costs can sneak up fast if you’re not prepared.
Here’s what they are, why they matter, and how to plan for them so your homebuying journey stays smooth.
1. Closing Costs (2–4% of the Purchase Price)
These are the biggest hidden expenses. For a $250,000 home, you’re looking at $5,000–$10,000 in fees. What’s included?
- Loan origination fees
- Appraisal and underwriting
- Title search and insurance
- Attorney or escrow fees
- Prepaid taxes and homeowners insurance
💡 Tip: Ask your realtor if the seller might cover a portion of these in negotiations.
2. Home Inspection & Pest Inspection
Before you close, you’ll want a licensed home inspector to look over the property—and maybe a termite or pest check, too.
- Home inspection: $350–$500
- Pest inspection (if not included): $50–$150
💡 Worth it? Absolutely. This is your one chance to avoid buying a lemon.
3. Appraisal Fee
Required by your lender to verify the home’s value. In Augusta, this runs $450–$600.
If the home appraises below your offer? You may need to bring extra cash to closing or renegotiate with the seller.
4. Survey or Property Line Verification
Especially for larger lots or older homes, a lender or title company may request a property survey.
- Cost in Augusta: $300–$500
- May be optional, but smart to have if you’re unsure about boundaries.
5. Moving Costs & Setup
You’ve closed—now you’ve got to move in. Costs to factor in:
- Movers/truck rental: $300–$1,000
- Utility setup fees: $150–$400 total
- Internet, water, gas, electric deposits
- Furniture or appliance purchases
💡 Pro Tip: Budget for move-in costs early so you’re not wiped out after closing.
6. HOA Fees (If Applicable)
If the home is in a subdivision, condo, or townhome community, ask about HOA fees.
- Ranges in Augusta: $25–$250/month
- Sometimes due upfront as part of closing
7. Immediate Repairs or Upgrades
Even if your new home looks move-in ready, you may still face:
- Replacing locks
- Painting
- Carpet cleaning or floor refinishing
- Upgrading appliances
- Safety updates like new smoke detectors or carbon monoxide alarms
Set aside at least $1,000–$2,000 for unexpected “Day One” expenses.
Here’s How to Budget Like a Pro
✔ Down Payment
✔ + Closing Costs (2–4%)
✔ + Move-in & Setup ($1,000–$3,000)
✔ + Cushion for surprises
And remember: These costs can vary based on loan type, neighborhood, and even the time of year.
Need Help Planning for It All?
Don’t go it alone. I help buyers in Augusta create real-world budgets based on your goals and finances—not just what a mortgage calculator says.