You Will Pay to Move Twice: The Cost List for Selling and Buying in the Same Year

• Your mortgage balance. What you still owe. It is paid from the sale money on closing day.
• Property taxes up to closing day. Property taxes are paid by the year, and until the day you hand over the house, your share is yours.
• Title costs. The title company is the one that checks the house legally belongs to the person selling it and handles the money on closing day. It has its own charges.
• Repairs after the inspection. The buyer does an inspection and can ask for repairs. Whatever is agreed goes on paper.
• The costs of selling. You see them on paper before you sign, all together, so you know exactly what you walk away with.

• The down payment. What you put in at the start. Sometimes it comes from the money left over from your home.
• Closing costs. Charges from the lender, the title company, and others that are paid at closing.
• Insurance on the new home. Often paid in advance.
• The inspection. You pay for it, and it tells you what condition the house you are about to buy is in.
• The appraisal. The lender orders it to confirm what the house is worth.
• The offer deposit. This is money you put down when your offer is accepted, to show you are serious. It is called earnest money, and it is commonly around 1% of the home's value. It goes straight to the title company, never into my hands or the seller's. You deposit it directly using the information we give you, or you bring it to their office. It usually counts toward what you put in at closing, but you need to have it ahead of time.

There are deadlines in the contract that protect that deposit, like the option period and the deadline for the lender to give its answer. I explain them step by step, with the dates from your contract, before you sign anything.

• The truck or the moving service
• Electricity, water, and internet that overlap for a few days between one house and the other
• Cleaning the house you are leaving
• Boxes, tape, and things that get lost or bought again

This is the block people forget the most. It is not expensive, but it is the one that makes the month feel tighter than planned.

This is what is recommended to keep set aside for surprises, separate from everything else. A repair that shows up in the new house, a one-week delay, a night in a hotel. It is not a sure cost. It is the peace of mind that if something shifts, you do not have to borrow.

How big that cushion should be depends on your situation. We talk it through with your numbers and what the lender tells you.

That is the trick. It is not that the total is impossible. It is that when you add it up on one sheet, you see before you sell how much comes in, how much goes out, and how much is left so you can breathe easy that first month in the new home.

I build that sheet together with the timeline. I do not promise that certain costs will be paid by someone else, because that is negotiated case by case and reviewed on paper. What I do promise is that you will not sign without having seen both sides.

Selling and buying in the same year is not twice as hard. It is twice the paperwork. And paperwork, when you put it all together with time to spare, stops being scary.

Do you have all your costs on one sheet?

Send me on WhatsApp what you think you owe on your home and what price range you are looking at, and I will tell you how your cost sheet gets built for both sides. No commitment, nothing to sign.

I am Veronica Yeary, a REALTOR in Dallas-Fort Worth. I sell your home and find the next one with a single plan, and the whole transaction is with me, start to finish.

469-441-8890 · call, text or WhatsApp · veronica@veronicayeary.com