Possible Extra Costs After You Move In Maintenance costs You may want to start a separate maintenance fund –– particularly if you’re buying an older home –– by setting aside $500- $1,000 and adding to it regularly. This reserve can be used to cover the costs of anticipated or unexpected repairs or replacement of such things as the roof or appliances. Renovation costs You may find a “fixer-upper” –– an inexpensive home in need of repair. One general rule is that renovation always takes longer than, and costs more than, you think.