When you buy a house, does it come with appliances?

Real Estate Agent with Coldwell Banker Realty RES.0808054

When you buy your first home, are appliances included?

First-time buyers are usually the most concerned about what appliances come with the house. Buyers usually don't have the money to buy a home, pay closing costs, and still be able to buy a refrigerator or stove after the closing. So they need the house to come with common appliances. But just because they need a washer and dryer, the seller may or may not include them in the sale.

Do fridges and other appliances typically come with a new construction house?

New construction homes will more often than not include a budget for appliances. Make sure that is enough money for all the appliances you'll need. The budget the builder offers doesn't necessarily include enough money for all the appliances you will need, or the ones you may want. Negotiate with the seller to adjust the budget, or you may find a gaping hole where the oven should be in your brand new home.

Washing Machine Image by Steve Buissinne from Pixabay

The sales contract says what is included in a home sale

The good thing about real estate is what is in writing is what gets done. When you buy a house, you buy the land and everything that is permanently physically attached. Often, that includes the likes of light fixtures and built-in appliances, but look for a document called the "Inclusion/Exclusion Addendum". It becomes part of the Purchase Contract and says specifically whether appliances come included with the purchase and what isn't included. You'll want to review that with your real estate agent before you make your offer so you know what you're getting. The good news, all the appliances are typically included with a home, like a refrigerator. Occasionally you will find someone selling a house where the appliances aren't included, and most commonly those not included in a home purchase are the clothes washer and dryer.

On the Inclusion/Exclusion Addendum, the current homeowner should also tell you if they believe all the appliances included in the purchase are in working condition. This is where you will learn if that hot tub you are so excited to find on the back porch works.

If appliances don't come with the house, can they be included in the mortgage?

Yes and no. Can you just add to the loan for the cost of the dishwasher, or stove not included in the home? No. But there are creative ways to get them included when you buy. First, ask your Realtor to help negotiate to have them included in the sale. The seller may initially say this appliance isn't included. Make an offer that gets them to say it is included in the home sale. Next may be to negotiate a closing cost credit in the purchase of the home. After closing, go to your favorite store and buy the appliance you want with what you saved on closing costs. If you are getting a rehab mortgage like an FHA 203k loan, household appliances can be built into the loan amount. If you are buying a new construction home, negotiate a larger appliance budget with the seller. Are you are getting gift funds, ask the person giving them to you to split the gift, some for appliances that may not come with the house, and some for the down payment. If you are a first time buyer, you may be able to get a down payment assistance loan. Use the funds you were going to put down to buy the appliances that were included with the home.

Oven Image by Mike Gattorna from Pixabay

Quick word of mortgage advice regarding appliances and your home purchase

Don't just go finance appliances that may not come with your home. Your lender has to confirm that you can afford to pay your bills as a part of the application process. Getting a new credit account can seriously impact your loan. Some buyers will no longer qualify for the house, some will be delayed in their closing. Even simply charging the appliances to an existing credit card can cause a buyer to no longer qualify. This is especially important for first time buyers! Talk with your lender, and involve them in your plans. Do not just go buy, finance, and assume the lender will not care. Make sure your lender approves of your plan!

When you buy a house, do appliances come with the house?

Yes, usually they do. Know what is included, like the oven range, by reviewing the Inclusion/Exclusion addendum while house hunting. Make sure you know what comes with the home. There may be some options if certain appliances are not included with the house, have your Realtor help you negotiate for you.

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Comments (6)

Joan Cox
House to Home, Inc. - Denver Real Estate - 720-231-6373 - Denver, CO
Denver Real Estate - Selling One Home at a Time

Jon, I have a home pending for my buyers that included the safe, so does pay to see what all comes with the home!

Dec 02, 2022 05:50 AM
Jon Sigler

100% agree with you!

Dec 02, 2022 06:03 AM
Bill Salvatore - East Valley
Arizona Elite Properties - Chandler, AZ
Realtor - 602-999-0952 / em: golfArizona@cox.net

Great information.  Thanks for sharing, enjoy your weekend, and here's a GOOD LUCK to your favorite COLLEGE or NFL Team!

Dec 02, 2022 06:01 AM
Leanne Smith
Dirt Road Real Estate - Golden Valley, AZ
Relocation to NW AZ with elbow room & more freedom

Also taking photos of the appliances as noted in the listing keeps the sellers from switching appliances.

Dec 02, 2022 07:13 AM
Jon Sigler

A good suggestion!

Dec 02, 2022 07:47 AM
Joe Jackson
Keller Williams Capital Partners Realty - Columbus, OH
Clintonville and Central Ohio Real Estate Expert

This is an excellent post with great information. Thanks for sharing it.

Have a super fantastic week!
Joe Jackson, Realtor-KWCP

Dec 02, 2022 08:26 AM
Grant Schneider
Performance Development Strategies - Armonk, NY
Your Coach Helping You Create Successful Outcomes

Good afternoon Jon - of course I do find that stoves and microwaves are most common then refrigerators then a stretch for washer/dryer.

Dec 02, 2022 10:35 AM
Jon Sigler

Certainly the more attached they are the more likely they are to remain.  In my area, washer and dryers are often left as well, but certainly the first to not be included.

Dec 02, 2022 02:02 PM
George Souto
George Souto NMLS #65149 FHA, CHFA, VA Mortgages - Middletown, CT
Your Connecticut Mortgage Expert

Jon Sigler the safe thing is for a Buyer to include everything they want or expect to be left with the house, included in the sale contract.  Never assume, always make sure.

Dec 02, 2022 02:26 PM
Jon Sigler

100% agree, either directly in the contract, or using an "Inclusion/Exclusion Addendum".  What is in writing is what happens!

Dec 05, 2022 06:35 AM