Moving In: The Final Steps to Homeownership
Overview
- Typical Duration: 1 week (preparation and move)
- DIY Difficulty: ★★☆☆☆ (2/5 - Mostly logistics)
- Typical Cost: $500-$2,000 (moving costs, final items)
- When to DIY: Most tasks
- When to Hire: Professional movers (if needed)
You built a house. Now it's time to move in and make it a home. This final checklist ensures you don't forget critical details in the excitement of moving in.
When This Step Happens
- Must be complete first: Certificate of Occupancy received, loan converted
- Can happen in parallel: Final landscaping, minor touch-ups
- What comes after: Living in your home, maintaining what you built!
Pre-Move-In Checklist (1 Week Before)
Utilities and Services
Get these activated in your name:
Essential Services:
- [ ] Electric service transferred or activated
- [ ] Water service transferred or activated
- [ ] Gas service transferred or activated (if applicable)
- [ ] Sewer/septic verified working
- [ ] Internet and phone service installed
- [ ] Trash/recycling service arranged
Contact info:
- Call each utility company 1-2 weeks before move-in
- Provide Certificate of Occupancy if requested
- Schedule activation for day before move-in
- Verify all services working before moving belongings
Typical activation timeline:
- Electric: 1-3 days
- Water: 1-3 days
- Gas: 1-5 days
- Internet/cable: 5-14 days (schedule early!)
- Trash service: Next scheduled pickup
Insurance
Homeowner's Insurance:
- [ ] Policy active (from CO date)
- [ ] Coverage amount verified
- [ ] Deductibles understood
- [ ] Policy documents received
- [ ] Agent contact info saved
Verify coverage includes:
- Structure (replacement cost)
- Personal property
- Liability
- Additional living expenses
- Special items (if applicable)
Final Safety Checks
Before moving in, verify:
Fire Safety:
- [ ] All smoke detectors installed and working
- [ ] Fresh batteries in all smoke detectors
- [ ] CO detectors installed and working
- [ ] Fire extinguisher purchased and mounted
- [ ] Escape routes planned
- [ ] Family fire drill planned
Security:
- [ ] All locks working
- [ ] All windows lock properly
- [ ] Exterior doors deadbolts installed
- [ ] Garage door opener working
- [ ] Security system installed (if planned)
- [ ] Outdoor lights working
Child Safety (if applicable):
- [ ] Outlet covers installed
- [ ] Cabinet locks installed (cleaning supplies, medicines)
- [ ] Stair gates installed (if needed)
- [ ] Window guards or stops (if needed)
- [ ] Secure furniture to walls (dressers, bookshelves)
- [ ] Pool fence/safety (if applicable)
Systems Check
Final verification all systems working:
HVAC:
- [ ] Heating works in all rooms
- [ ] Cooling works in all rooms (if applicable)
- [ ] Thermostat functioning properly
- [ ] No odd smells or sounds
- [ ] Air filter installed (mark calendar for replacement)
- [ ] Vents open and clean
Plumbing:
- [ ] All faucets work (hot and cold)
- [ ] No leaks anywhere
- [ ] All toilets flush properly
- [ ] Water heater working
- [ ] No drips or running water sounds
- [ ] Water pressure adequate throughout
Electrical:
- [ ] All outlets working (test each one)
- [ ] All switches working
- [ ] All light fixtures working
- [ ] GFCI outlets test properly
- [ ] Circuit breakers labeled
- [ ] No flickering lights or burning smells
Final Cleaning
Even if you've been cleaning, do final deep clean:
Kitchen:
- [ ] Wipe down all cabinets (inside and out)
- [ ] Clean appliances thoroughly
- [ ] Clean countertops and backsplash
- [ ] Mop floors
- [ ] Clean sink and faucet
Bathrooms:
- [ ] Clean toilets, sinks, tubs/showers
- [ ] Wipe down cabinets and mirrors
- [ ] Clean floors
- [ ] Verify all drains working
Throughout House:
- [ ] Vacuum all carpets
- [ ] Sweep/mop all hard floors
- [ ] Wipe down window sills
- [ ] Remove any construction dust
- [ ] Clean light fixtures
- [ ] Wipe down handrails and door knobs
Why this matters: Much easier to clean empty house than after furniture moved in
Move-In Week Checklist
Day Before Move-In
Final preparation:
- [ ] Turn on all utilities (verify working)
- [ ] Set thermostat to comfortable temperature
- [ ] Turn on water heater
- [ ] Stock bathroom with toilet paper, soap, towels
- [ ] Have light bulbs for any fixtures needing them
- [ ] Clear paths for moving (no obstacles)
- [ ] Protect floors in high-traffic areas (cardboard, moving blankets)
Moving supplies on-hand:
- [ ] Cleaning supplies
- [ ] Paper towels
- [ ] Trash bags
- [ ] Basic toolkit
- [ ] First aid kit
- [ ] Snacks and water
- [ ] Phone chargers
- [ ] Bathroom essentials
Moving Day
Priorities for moving day:
First items to set up:
- Beds - You'll need to sleep tonight
- Bathroom - Shower curtain, toiletries, towels
- Kitchen basics - Coffee maker, microwave, some dishes
- Essential clothes - Change of clothes, work clothes
- Important documents - Keep safe and accessible
Protect your new house:
- [ ] Shoe covers or remove shoes
- [ ] Floor protection in high-traffic areas
- [ ] Corner guards on walls (if moving large furniture)
- [ ] Watch for scratches and dents
- [ ] Keep pets secured (safe room or off-site)
First night priorities:
- [ ] Beds made
- [ ] Bathroom functional
- [ ] Kitchen basics working
- [ ] HVAC set comfortably
- [ ] Exterior lights on
- [ ] Doors locked at night
First Week Tasks
Get settled:
Week 1 priorities:
- [ ] Unpack kitchen (functional cooking)
- [ ] Unpack bathrooms (fully stocked)
- [ ] Unpack bedrooms (clothes put away)
- [ ] Set up laundry area
- [ ] Arrange furniture in main living areas
- [ ] Hang curtains/window treatments (privacy)
Document your new address:
- [ ] Update driver's license (state requirement varies)
- [ ] Update vehicle registration
- [ ] Update voter registration
- [ ] Notify employer
- [ ] Notify banks and credit cards
- [ ] Forward mail (USPS change of address)
- [ ] Update insurance policies (auto, life, etc.)
- [ ] Update online accounts (Amazon, subscriptions, etc.)
- [ ] Notify IRS (file change of address)
- [ ] Update kids' school records (if applicable)
Meet the neighbors:
- [ ] Introduce yourself
- [ ] Exchange contact info
- [ ] Ask about neighborhood (trash day, quirks, etc.)
- [ ] Be friendly but respect privacy
Important Documents to Keep Accessible
Construction Documents
Keep these forever:
- [ ] Certificate of Occupancy
- [ ] Final building permit and all approvals
- [ ] House plans (as-built if different)
- [ ] All contractor contracts and invoices
- [ ] Warranty documents (roof, HVAC, appliances, etc.)
- [ ] Appliance manuals and warranty cards
- [ ] Paint colors and brands (for touch-ups)
- [ ] Flooring types and sources (for repairs)
Create a home binder:
- Section 1: Important contacts (utilities, contractors, etc.)
- Section 2: Warranties and manuals
- Section 3: Construction documents
- Section 4: Maintenance schedule
- Section 5: Receipts and records
Financial Documents
Keep for taxes and records:
- [ ] Final loan documents
- [ ] Closing statements (land and mortgage)
- [ ] All receipts from construction (IRS may need)
- [ ] Property tax records
- [ ] Homeowner's insurance policy
- [ ] Construction budget and actual costs
- [ ] Any permits and inspection records
Why it matters: May need for refinancing, selling, insurance claims, tax deductions
Maintenance Schedule Setup
Create Your Maintenance Calendar
Monthly tasks:
- [ ] Test smoke and CO detectors
- [ ] Check HVAC filter (replace if dirty)
- [ ] Check for leaks (under sinks, around toilets)
- [ ] Run water in unused drains (guest bath, etc.)
Quarterly tasks:
- [ ] Clean range hood filter
- [ ] Check/clean dryer vent
- [ ] Inspect caulking (refresh if needed)
- [ ] Check exterior for issues (siding, trim, gutters)
Semi-annual tasks:
- [ ] HVAC professional service (spring and fall)
- [ ] Clean gutters
- [ ] Check weatherstripping on doors
- [ ] Inspect roof (from ground) for damage
- [ ] Flush water heater
Annual tasks:
- [ ] Service garage door opener
- [ ] Check grading around foundation
- [ ] Inspect attic for leaks/pests
- [ ] Service septic system (if applicable)
- [ ] Chimney cleaning (if applicable)
Set reminders: Use phone calendar or home maintenance app
Warranty Tracking
For each warranted item, note:
- What's covered
- How long (expiration date)
- Who to contact
- Registration requirements
- Claim process
Common warranty periods:
- Appliances: 1 year (sometimes longer)
- HVAC: 5-10 years (parts), 1 year (labor)
- Roof: 15-50 years (varies by material)
- Water heater: 6-12 years
- Windows: 10-20 years (varies)
First Month Budget
Plan for these expenses:
Utility deposits and first bills:
- Electric: $100-$300 (deposit + first bill)
- Water: $50-$150
- Gas: $50-$150
- Internet/cable: $50-$150
- Trash: $20-$50
Immediate needs:
- Window treatments: $500-$2,000
- Basic furniture (if needed): $1,000-$5,000
- Landscaping/exterior: $500-$2,000
- Garage storage/organization: $200-$500
- Cleaning supplies: $100-$200
Ongoing monthly costs:
- Mortgage: (budgeted)
- Property taxes: (via escrow or direct)
- Insurance: (via escrow or direct)
- Utilities: $200-$500
- Maintenance fund: $100-$300 (set aside for repairs)
Total first month: $3,000-$8,000 beyond mortgage
Celebrate Your Achievement!
You Did It!
What you accomplished:
- Secured land
- Designed house
- Got financing
- Obtained permits
- Built an entire house
- Passed all inspections
- Created a home
This puts you in elite company: Less than 5% of homeowners build their own home.
Document Your Journey
Create lasting memories:
- [ ] Take "after" photos (match your "before" photos)
- [ ] Create photo book of construction
- [ ] Write down your story (what you learned, challenges overcome)
- [ ] Calculate total savings (vs hiring GC)
- [ ] Share your story (blog, social media, local owner-builder groups)
Help the next owner-builder:
- Leave honest reviews for contractors
- Share lessons learned
- Answer questions in owner-builder forums
- Encourage others considering this path
House Blessing or Housewarming
Ways to celebrate:
- House blessing ceremony (religious or secular)
- Housewarming party (invite everyone who helped)
- Family dinner in your new kitchen
- Quiet evening reflecting on the journey
- Whatever feels right to you
Ideas for housewarming:
- Tour of the house (show your work!)
- Share your favorite features
- Tell the story of biggest challenge overcome
- Thank everyone who helped
- Toast to your new home
Looking Forward
First Year in Your Home
Expect:
- Learning how your house works
- Discovering little things to fix or improve
- Settling in and making it yours
- Seasonal changes (first winter, first summer)
- Small repairs and adjustments
- Growing pride in what you built
Don't expect perfection: Every house has quirks. You'll know exactly where they are and how to fix them because you built it.
Long-Term Maintenance
Budget 1-2% of home value annually for maintenance:
- 2,000 sq ft house, valued at $300,000
- Annual maintenance budget: $3,000-$6,000
- Monthly: $250-$500 set aside
This covers:
- HVAC maintenance
- Minor repairs
- Paint touch-ups
- Landscaping upkeep
- Appliance repairs/replacement
- Unexpected issues
When to Call a Professional
You built your house, but you don't have to fix everything:
- Major plumbing (repiping, sewer issues)
- Major electrical (panel upgrade, rewiring)
- HVAC repairs (beyond filter changes)
- Roof repairs (unless comfortable on roof)
- Foundation issues
- Structural concerns
Being owner-builder doesn't mean doing everything forever
Quality Checkpoints
Before considering move-in complete:
Safety:
- [ ] All smoke/CO detectors working
- [ ] Fire extinguisher accessible
- [ ] Emergency numbers posted
- [ ] Escape routes identified
- [ ] Child safety measures complete (if applicable)
Utilities and Services:
- [ ] All utilities active and working
- [ ] Internet/phone working
- [ ] Trash service arranged
- [ ] Mail delivery confirmed
Comfort:
- [ ] HVAC working throughout house
- [ ] All plumbing functional
- [ ] All electrical working
- [ ] Window treatments for privacy
- [ ] Beds set up
Administration:
- [ ] Homeowner's insurance active
- [ ] Mortgage payments scheduled
- [ ] Address updated everywhere
- [ ] Important documents organized
Common First-Week Issues
Issue 1: Something Doesn't Work
Problem: Discovery of non-working item after move-in Solution:
- If under warranty, contact contractor/manufacturer
- If punch list item missed, document and fix
- If new discovery, troubleshoot and repair
Issue 2: Moving Damage
Problem: Scratched floor, dented wall, broken fixture Solution:
- Document damage
- Touch up paint (you have the paint!)
- Repair floor (you know how!)
- Fix it now before you get used to seeing it
Issue 3: Forgot Something Important
Problem: Realize you need something you don't have Solution:
- Make list throughout week
- One trip to store to get everything
- Don't stress - happens to everyone
Final Thoughts
You're Not Done Learning
Your education continues:
- First winter: Learn heating patterns
- First summer: Learn cooling efficiency
- First year: Every season teaches something
- Years 2-5: Master your house systems
- Lifetime: Continuous improvement and adaptation
Enjoy Your Creation
Remember:
- You built this with your own hands
- Every nail, every board, every decision was yours
- The money you saved is real and significant
- The skills you learned are permanent
- The pride you feel is earned
Welcome home.
Related Resources
Need help with home maintenance? See our maintenance guides for ongoing care.
Want to share your story? Join our owner-builder community and inspire others.
Congratulations on completing your owner-builder journey. You didn't just build a house—you proved what you're capable of achieving.