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You don't want to find out when it's too late that you need more money.

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Some of these fees need to be paid annually, which means a home buyer needs to pay upfront.9.) Utility Service Fees Check your hook up and installation fees for water, gas, electricity, cable or satellite TV, phone, trash, sewer and other services.

Sometimes the water department covers the sewer and trash service.

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Home buyer's who purchase a home without a real estate agent (or sometimes purchase through an inexperienced agent) can find out too late they don't have enough money to close and move.

Top 10 Costs Home Buyers Miss:1.) Property Taxes and Assessments Home buyers often need to set up an escrow account with the new mortgage lender.

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