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Whether you're looking to buy your first home or trade up to a larger one, you must factor in many costs—on top of the purchase price—to calculate affordability. These extra fees, such as taxes and other additional costs, could surprise you with an unwanted financial nightmare on closing day if you're not informed and prepared.

Some of these costs are one-time fixed payments, while others represent an ongoing monthly or yearly commitment. While not all of these costs will apply in every situation, it's better to know about them ahead of time so you can budget properly.

Remember, buying a home is a significant milestone, and whether it's your first, second, or tenth, there are many small but important details, not to mention stress and excitement, to deal with during the process. The last thing you need is unbudgeted financial obligations in the hours before you take possession of your new home.

To help homebuyers understand these extra costs and in what situations they may apply, a free industry report called "13 Extra Costs to Be Aware of Before Buying a Home" has been prepared.

Order this report NOW to ensure you're budgeting properly for your next move.