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The Hidden Costs of Buying a New Home in Royse City For Home Buyers

  • Writer: Nitin Gupta, CRS, REALTOR
    Nitin Gupta, CRS, REALTOR
  • Jul 14
  • 3 min read

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Summary: While new construction homes in Royse City come with modern perks and builder warranties, they also carry hidden expenses that first-time buyers often overlook. Learn what to expect so you can budget wisely and avoid surprises.



1. Lot Premiums Some homesites cost more due to location (corner lot, greenbelt, cul-de-sac). These premiums can add $5,000–$30,000 to your base price.



2. Upgrade Packages The model home is not the base model. Expect additional costs for:

  • Flooring upgrades

  • Countertops

  • Cabinet finishes

  • Lighting and appliances

These can easily total $10,000–$50,000+ depending on customization.



3. Builder Fees and Closing Costs Many builders include fees for paperwork processing, construction deposits, and third-party services. Closing costs may still apply—even with builder incentives.



4. HOA and MUD Taxes Some master-planned communities include HOA dues and MUD (Municipal Utility District) taxes. Combined, they can add hundreds to your monthly payment.



5. Window Coverings and Landscaping New homes often don’t come with blinds, drapes, or mature landscaping. Expect to spend $2,000–$6,000 just to get your home move-in ready.



6. Out-of-Pocket Inspection Costs Even if the home is brand-new, you should hire your own inspector before final walkthrough. Budget $400–$600 for a pre-closing inspection.



7. Delays and Interest Rate Lock Extensions Construction delays are common. If your rate lock expires, you may pay extra to extend it. Some buyers spend $1,000–$2,500 on this alone.



Breakdown Table of Potential Hidden Costs:

Expense Category

Estimated Cost Range

Lot Premium

$5,000–$30,000

Interior Upgrades

$10,000–$50,000+

Window Coverings

$1,500–$3,000

Landscaping

$1,000–$3,000

HOA/MUD Fees (Annual)

$600–$2,000

Inspector

$400–$600

Interest Lock Extensions

$1,000–$2,500



How to Budget Wisely:

  • Review the builder’s base price list and upgrade catalog

  • Ask for a total cost estimate including premiums and add-ons

  • Consult a buyer’s agent to help you interpret contract language



Protect Yourself With an Experienced Buyer’s Agent Avoid surprises and stay on budget with help from Nitin Gupta, a certified expert in new construction home buying.




Please call us at 469-269-6541 for more details about Royse City and available homes!



About us: Royse City New Construction Expert Real Estate Agent



As a Top Real Estate Professional in Royse City, I understand the challenges that arise when buying a new construction home. There are over 100 builders in the DFW area. I work with most of the new home builders in Royse City and understand how various builders operate. I am familiar with the options they offer, current incentives and I frequently visit the upcoming communities they are building. I guide my clients through all steps of the new home construction 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 can offer my clients experience as a Buyer's Agent and REALTOR®, top Industry Customer Service, in-depth, up-to-the-minute and comprehensive market knowledge; honesty, integrity, dedication, and professionalism in my business.


Whether you are a first time buyer in Royse City looking to buy a home or whether you are relocating to Royse City 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 new construction home in Royse City. 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 previews 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 Royse City? 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 Royse City community that you can use to help make your home buying decision.


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