Don’t blow your budget before you move in: Many new homeowners focus on the down payment and closing costs – but forget the essentials that come next: furniture, tools, and yard equipment. Without planning, those “extras” can easily add up to thousands.
1. Consider Buying the Model Home
Model homes are professionally designed and often include high-end furniture and appliances.
Ask your builder to roll furnishings into your home loan or list them separately using a personal property addendum.
2. Source Smart
Family hand-me-downs and garage sales can be gold mines.
Create a housewarming registry with immediate needs first.
Think beyond décor: You’ll also need outdoor and utility items like a lawn mower, rake, or patio set.
3. Buy Hardworking Furniture
Choose multi-use pieces that earn their keep.
Dual-purpose furniture makes small spaces more livable – and your dollars go further.
A sofa bed doubles as a guest space.
A dining table can function as a workspace.
4. Plan for Floors & Windows
Even simple rugs and curtains can double your furnishing costs.
If you go hardwood, rugs help with warmth, noise, and layout – just choose low off-gassing materials.
Save smart: Ask your builder if carpet or blinds can be included in your design package.
5. Pace Yourself
Your home doesn’t need to look “finished” right away.
Start with the essentials and upgrade over time.
Living in the space helps you discover what truly fits your lifestyle and style.
Budget Breakdown: What to Expect
A quick guide to help you plan for those “move-in extras”:
| Category | Estimated Cost Range | Smart Tip |
| Furniture | 10–15% of home price | Focus on high-use rooms first |
| Appliances | $2,000–$10,000 | Check if builder incentives apply |
| Yard & Tools | $500–$2,500 | Buy quality basics, add later |
| Window Treatments | $1,000–$5,000 | Prioritize privacy rooms first |
| Décor & Accessories | $500–$2,000 | Layer style slowly over time |
Bottom line: Budgeting beyond the mortgage prevents post-move-in sticker shock and helps you enjoy your new home without added financial stress. Smart spending now means more comfort (and fewer surprises) later.
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Julie Gordey
A lifelong educator, Julie Gordey, is a retired school administrator. After years of focusing on education, this University of Texas graduate now travels and enjoys freelance writing for BDX and NewHomeSource.com.