Buying a home is a big step, there’s a lot to consider, and the details aren’t always obvious. The right questions can help you avoid costly mistakes and spot things you might otherwise miss.
Here are a few to keep in mind before making any decisions.
Why is the current owner selling?
This question can tell you more than it seems. The seller might be relocating, downsizing, or moving for work. But sometimes it’s because of issues with the property or the neighborhood. While not everyone will give a detailed answer, how they respond can still offer insight. It’s also worth asking how long they lived there and whether they’ve had any major problems during that time.
What’s my total budget, including hidden costs?
The listing price is just the beginning. Once you factor in property taxes, insurance, legal fees, inspection costs, repairs, and moving expenses, the numbers can shift quickly. It’s also worth checking what your monthly costs will look like beyond the mortgage (utilities, maintenance, and any association fees can add up).
Before anything else, get clear on what you can actually afford. Here are a few costs to consider:
- Closing costs and legal fees – These can include title registration, attorney fees, and other required paperwork. They’re easy to underestimate but often add up quickly.
- Home inspection and appraisal – Both help reveal the real condition and value of the property, and they’re usually required before finalizing the deal.
- Property taxes and insurance – Depending on the location, these can vary a lot. Ask for recent figures to avoid surprises down the line.
- Repairs and upgrades – Even if the place looks move-in ready, small issues tend to show up later. Set aside a buffer for the unexpected.
- Monthly utilities and maintenance – Try to get a sense of average utility bills and regular upkeep, especially if it’s an older property.
- HOA or condo fees – Ask how much they are, what they include, and whether any increases are planned in the near future.
- Warranty plans – If you’re thinking of adding a layer of protection, now’s a good time to look into a home warranty comparison and see what each plan actually covers.
- Moving and furnishing expenses – From hiring movers to replacing curtains and light fixtures, the little things at the end can stretch your budget.
Is the location right for my lifestyle and needs?
Take a close look at the neighborhood and ask yourself if it fits how you actually live. Think about commute times, access to public transport, noise levels, nearby grocery stores, medical services, and how walkable the area is. If you have kids (or plan to), check the quality of local schools and parks. Even small things like which direction the windows face or how much natural light you get in the afternoon can make a real difference.
How old are the roof, plumbing, and electrical systems?
Some of the most expensive repairs are the ones you can’t see right away. Even if the home looks well-maintained, aging systems can bring unexpected costs and safety issues. It’s worth asking for specific details and not just vague reassurances, before you move forward.
Roof
A roof that’s near the end of its life can cost thousands to replace. Ask when it was last redone, what materials were used, and whether there’s a warranty still in place. Look for signs of water damage inside the home, and don’t assume that “no leaks” means everything is fine. Even a few remaining years can affect your decision if other big repairs are needed soon.
Plumbing
Old pipes can lead to leaks, mold, or even major water damage. Find out if the plumbing is original or has been updated, and ask what materials were used (some older homes still have galvanized pipes that corrode over time). It’s also smart to check the water pressure and look under sinks for signs of previous issues.
Electrical
Outdated electrical systems can be a fire hazard. Ask whether the panel has been upgraded and if the wiring meets current standards. Some older homes may not have grounded outlets or enough capacity to support modern appliances. If you plan to renovate or install high-demand equipment, this becomes even more important.
Can I Expect Warranty Coverage With the Purchase?
Some sellers offer a home warranty as part of the deal, especially in slower markets where buyers have more leverage. It’s used as a negotiation tool to make the listing more appealing and reduce concerns about repairs. In many cases, coverage starts during escrow and transfers to the buyer at closing, typically lasting for a full year. If something breaks before the sale is finalized, the seller usually pays just the service fee rather than the full cost of repair. While this isn’t standard in every transaction, it’s common enough (now included in about 10-25% of offers) that it’s worth asking about. If it’s not offered, you can always explore home warranty plans yourself, particularly if you’re buying an older property.
Has the property had any pest issues?
This is one of those questions that’s easy to overlook but can save you from trouble later. Pest problems aren’t always obvious during a quick walkthrough, and not every seller will bring them up unless asked directly. Termites, rodents, and other infestations can cause hidden damage that adds up fast.
What to ask and look for
Ask if the property has ever been treated for pests and whether the work was done professionally. Look around for signs like chewed wood, droppings, or unusual smells. If there’s any doubt, a pest inspection can give you peace of mind before you move forward.
How long has the property been on the market?
If a home’s been sitting for a while, it’s worth finding out why. It could be priced too high, need repairs, or just not appeal to buyers for reasons that aren’t obvious at first glance. A longer time on the market can sometimes give you more room to negotiate, but it can also be a sign to look closer. Ask if there have been any price drops or previous offers – both can tell you a lot about the seller’s expectations and the home’s real value.
What You Ask Matters
There’s a lot to weigh when you’re buying a home, and the questions you ask early can shape the whole experience. Some answers will be straightforward, others might raise new things to consider. Either way, taking the time to ask them puts you in a better position to make a clear, confident decision.
