The Hidden Costs of Buying a Home in Fresno (Read This Before You Write an Offer)

Don’t let surprise expenses derail your purchase. Plan for these line items beyond your down payment.

Closing costs (buyer side). Expect lender fees, appraisal, title services, recording, and escrow. Many of these are shop-able — comparing providers can save hundreds. Review your Loan Estimate early and your Closing Disclosure three days before signing. 

Inspections & due diligence. General home, roof, pest/termite, sewer scope, and HVAC inspections are common in Fresno. Budget for reinspections and credits requests.

Taxes & transfer. Annual property taxes follow Prop 13 rules (start ~1% + bonds). On resale or certain transfers, Fresno County charges $0.55 per $500 in documentary transfer tax — negotiable who pays by contract. 

HOA & special assessments. Some areas carry HOA dues or community facility district bonds — your agent and lender will help you identify them in disclosures.

Pro tip: I’ll build you a true cash-to-close worksheet with current vendor quotes so you can shop fees and avoid junk charges.