Costs to plan for beyond the price of a new home

The price of the home is the biggest number, but not the only one. Ask about each of these before you sign.

Deposits: how much, when they are due, and when they are refundable.
Options and upgrades: what is included in the base price and what costs extra.
Closing costs: lender, title and government fees due at closing.
Homeowners association: any initial fee and the regular dues.
Insurance: homeowners insurance, and flood insurance if the home needs it.
Property taxes: ask the county how they are assessed for your home.
Utilities and connections: deposits or set-up fees for power, water and internet.
Moving in: window coverings, appliances not included, and landscaping additions.

Questions people ask

What costs are included in the price of a new home?

It depends on the builder and the home. Ask for a written list of what is included and what costs extra before you sign.

Updated October 11, 2026

Free · printable

What to ask before you visit, at the model, before you sign and before closing. Print it or save it to your phone.

Keep reading

How buying a new-construction home differs from buying a resale home: choices, timing, warranty, fees and inspections.

Who a builder’s sales consultant represents, what they can do for you, and how to bring your own agent if you want one.

The usual steps from first visit to move-in day when you buy a new-construction home, and what happens at each one.