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Making the Big Decision

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Before you decide to purchase a home, consider the following costs and responsibilities involved:

Closing Costs

These are up-front costs that must be paid when a home is purchased. These costs include:

Appraisal fee
Legal Fees
Title insurance
Land registration fees
Prepaid property taxes and/or utility bills
Survey or Certificate of Location cost
Water tests
Septic tank tests (if applicable)

Other Up-Front Costs

These are costs that you may have to payout prior to moving in.

Moving costs
Storage costs
Real estate costs for selling a home (if applicable)
Redirecting mail

Costs After Moving In

These are costs you may have to payout shortly after moving in.

Utility hook-up fees
Basic furniture and appliances
Painting and cleaning

Ongoing Costs Of Owning A Home

These are costs associated with owning and maintaining a home. They can include:

Mortgage payments
Property taxes
Utilities
Property insurance
Renovation costs
Landscaping and maintenance
Repairs