Hidden Costs First-Time Buyers Should Know About When Purchasing a New Construction Home in Fort Worth

Buying a new construction home in Fort Worth can feel like a dream—brand-new appliances, modern layouts, and pristine finishes with no previous owner. However, many first-time buyers are surprised to discover that the "base price" of the home doesn’t reflect the actual cost they’ll end up paying.

Understanding the hidden expenses that come with new construction is critical to budgeting properly and avoiding financial surprises during or after the build process.

This guide breaks down the key hidden costs to expect when buying a new construction home in Fort Worth in 2025.

Why New Construction Is So Appealing in Fort Worth

Fort Worth continues to attract luxury and relocation buyers thanks to its robust economic growth and investment in new communities.

According to the National Association of Home Builders and the U.S. Census Bureau:

• Over 48% of homes sold in Tarrant County in 2024 were new construction

• The average cost of a new home in Fort Worth increased by 6.5% year-over-year

• Fort Worth ranks among the top Texas markets for luxury new builds and relocation buyers

“First-time buyers entering the new home market are often unprepared for the true cost of ownership.” — Texas Real Estate Research Center

Common Hidden Costs You Need to Budget For

1. Lot Premiums

Many builders advertise “base pricing” that doesn’t include the actual lot you’ll build on.

• Premium lots (corner, cul-de-sac, greenbelt, oversized) can add $15,000 to $100,000+

• Lot premiums vary widely depending on location within the community and view

• Builders often release the most desirable lots at higher prices

“Lot premiums are one of the most misunderstood costs in new construction.” — Builder Online

2. Upgrades and Customizations

The model home you toured? It likely contains tens of thousands of dollars in upgrades.

• High-end finishes, lighting, flooring, cabinetry, and appliances are often not standard

• Upgrade packages can increase the final price by 10%–30%

• Some builders offer limited customization, others are fully a la carte—know the difference

3. Landscaping and Fencing

Most builders provide minimal front landscaping and no fencing as part of the base price.

• Backyard landscaping, sod, irrigation, and fencing can add $5,000 to $25,000+

• Check if landscaping must follow HOA design guidelines (which can add cost)

4. Window Treatments and Appliances

Many buyers assume window blinds and appliances like refrigerators or washers/dryers are included—they’re not.

• Window treatments can cost $2,000–$10,000, depending on material and number of windows

• High-end appliances are often upgrades, not included in the base price

5. HOA Fees and Community Assessments

If you're buying in a master-planned community, HOA fees are likely—but sometimes future assessments are overlooked.

• Monthly HOA dues can range from $50 to $250+

• Special assessments for amenities (clubhouse, trails, pool) may arise in later years

Learn more about how communities operate in Fort Worth at:https://www.nitinguptadfw.com/blog/what-to-look-for-in-a-fort-worth-new-construction-home-a-first-time-buyers-checklist/

6. Property Taxes on Improved Value

Initial tax estimates often reflect land value only. Once construction is complete, expect taxes to adjust significantly.

• Fort Worth’s effective property tax rate ranges from 2.1% to 2.6%

• Taxes will be reassessed based on full home value post-closing, often surprising first-year owners

7. Builder Closing Costs

Builders typically require the buyer to pay title fees, escrow fees, and other transactional costs—especially if using their preferred lender.

• Builder-required title company fees can exceed $3,000–$5,000

• Some builders offer incentives, but only if you use their mortgage provider

• Always get a full closing cost estimate early in the process

8. Prepaid Expenses and Utility Setup

Don’t forget the small but necessary expenses that come with finalizing your home.

• Prepaid taxes and insurance for escrow accounts

• Utility deposits for electric, water, gas, and trash service

• Mailbox/key setup, internet installation, and smart home configuration (if not turnkey)

9. Delays and Extended Rate Locks

If construction is delayed beyond your original loan lock, it could cost thousands.

• Extended rate lock fees range from 0.5% to 1.5% of loan amount

• In high-rate environments, this is a real risk for buyers without lender protection

10. Post-Move-In Costs

Once you’re in the home, new buyers often face additional expenses:

• Ceiling fans, garage storage, cabinet hardware, and light fixtures

• Window screens, doorbells, home security system installation

• Regular maintenance contracts (pest control, HVAC servicing, etc.)

How to Protect Yourself

• Work with a REALTOR® experienced in new construction to review contracts, evaluate true costs, and negotiate better terms.

• Request a complete upgrade list and pricing sheet upfront from the builder.

• Use a third-party home inspector at the pre-drywall and final walkthrough stages.

To speak with a certified buyer’s agent who specializes in new construction homes in Fort Worth, visit:https://www.nitinguptadfw.com/contact/

Why Work with Nitin Gupta, Broker Associate

Nitin Gupta is a top-producing REALTOR® and relocation expert with over 21 years of experience in the Dallas-Fort Worth real estate market. He brings deep insight into builder pricing structures, lot valuations, contract terms, and hidden fees.

Certifications include:

• Certified New Home Specialist

• Certified Negotiation Expert (CNE)

• Accredited Buyer’s Representative (ABR)

Explore credentials here:https://www.nitinguptadfw.com/certifications-and-designations/

Final Thoughts

Buying a new construction home in Fort Worth can be a rewarding experience—but only if you're prepared for the full financial picture. By understanding and planning for the hidden costs, you’ll avoid surprise expenses and stay firmly within your budget.

Let an experienced agent guide you through every stage of the process to ensure you're not paying more than you should.

Schedule a private consultation today:https://www.nitinguptadfw.com/contact/

---

Call us at 469-269-6541 for more information about Fort Worth real estate!

About us: Top Fort Worth Buyers Agent: Expert Real Estate Agent

As a Top Real Estate Professional in Fort Worth, I understand the challenges that arise when buying a home as a first-time home buyer. I guide my clients through all steps of the home buying process and aggressively protect their interests in the transaction. As a holder of top real estate industry certifications and designations like CRS, ABR & GRI, I offer my clients a great experience as a  Fort Worth Buyer's Agent and REALTOR®, excellent Customer Service, in-depth, up-to-the-minute and comprehensive market knowledge; honesty, integrity, dedication, and professionalism.

Whether you are a first time buyer in  Fort Worth looking to buy a home in  Fort Worth or whether you are relocating to  Fort Worth from California or moving your entire family from areas like San Francisco, Fremont, Palo Alto, Los Angeles, San Diego in California due to job transfer with your company, I can help you find a home in  Fort Worth. Our relocation team eases the transition - whether you are moving across town or across the globe. We will work with you to find an area that best suits your professional, family and lifestyle needs. We have all the tools you need to help your home search. Whether it is video tours of homes, extended work hours, digital signatures for documents or more, we can make this process as comfortable as possible no matter where you are located.

What is most important to you in your new construction home in  Fort Worth? Send us an email at info@NitinGuptaDFW.com or give us a call at (469) 269-6541 to schedule a no obligation consultation. We’ll give you honest advice about  Fort Worth that you can use to help make your home buying decision.