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Buying a home is expensive, but you can expect even more bills after closing.

Before you move in, the house may need repairs.

You might have to buy new appliances and furnishings.

Plan for fees to set up utilities and change the locks.

If your new home is bigger than your old one, expect higher electricity and heating bills.

Make room in your budget for recurring expenses, such as homeowners insurance, private mortgage insurance, property taxes and homeowners association fees.

Set aside money for repairs, maintenance and lawn care that you can’t handle yourself.

Many people feel overwhelmed because they didn’t anticipate all the costs of owning a home. Plan ahead.

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