Understanding the Full Cost of Moving
Many people budget for the move itself but forget about the dozens of additional expenses that pop up along the way. These out-of-pocket costs can add up quickly—especially if you’re juggling closing fees, deposits, new furniture, or long-distance travel.
Here are some of the most common expenses our customers face.
Hidden Out-of-Pocket Expenses That Add Up
Housing Deposits, Down Payments, and Closing Fees
Whether you’re renting or buying, relocating often includes major upfront costs, such as:
- Security deposits
- First and last month’s rent
- Down payments
- Closing fees, title costs, inspections, and appraisals
Utility Setup Charges and Activation Costs
Starting or transferring services at your new home can also require:
- Deposits for electricity, gas, and water
- Internet and cable installation fees
- Trash, sewer, and recycling setup charges
Furniture, Appliances, and Home Setup Purchases
A new home often calls for new or replacement items, such as:
- Sofas, beds, and dining sets
- Window blinds and curtains
- Rugs, décor, and shelving
- Kitchenware and small appliances
- Paint and minor repairs to freshen up your space
Packing Materials and Professional Packing Services
Even if you pack yourself, supplies can add up quickly:
- Moving boxes and wardrobe cartons
- Bubble wrap and packing paper
- Heavy-duty tape and dispensers
- Mattress covers and specialty cartons for fragile items
For added convenience, many families choose professional packing and unpacking services, especially for fragile or high-value items, or when time is limited.
Why waste time hunting down supplies when you can order everything you need directly from Molloy Moving? Visit our Packing Supplies Order Form to get started. We offer a wide selection of boxes and packing materials to make your move as efficient as possible.
Storage Costs Before or After Move-In
If your new home isn’t ready, or you’re staging a home for sale, storage is often part of the plan. Short- or long-term storage helps bridge the gap but adds another expense to the overall moving budget.
Travel and Transportation Expenses
For long-distance and interstate moves, travel costs can be significant:
- Gas or airfare
- Hotels during multi-day drives
- Meals on the road
- Car shipping
- Pet transportation or boarding
Permits, Parking, and Access Fees
In the New York metro area and many cities, you may also face:
- Parking permits or meter fees
- Elevator or building reservation charges
- Oversized vehicle permits
- Tolls for highways, bridges, and tunnels
Professional Move-Out or Move-In Cleaning
From final rental inspections to preparing a home for sale, professional cleaning is another cost many customers build into their move.
Repairs, Painting, and Home Readiness
Getting your new home ready might include:
- Locksmith services and new keys
- Minor repairs, patching, and painting
- Yard maintenance or landscaping
- Safety upgrades or replacing old fixtures and hardware
Valuation Protection or Insurance
For added peace of mind, you may choose higher valuation coverage or additional protection for your belongings during the move.
Temporary Housing or Overlapping Rent and Mortgage
When closing dates or lease terms don’t line up, you may need:
- Short-term housing or hotel stays
- Extra rent or mortgage payments during an overlap month
- Additional storage while you wait to move in
How Move Now, Pay Later Helps Your Budget
Your move shouldn’t drain your savings. With Molloy’s flexible financing options, you can:
- Spread moving costs over time instead of paying everything at once
- Choose a loan amount that fits your full move budget, not just the moving quote
- Use your personal loan for whatever you need—closing costs, deposits, furniture, travel, and more
- Preserve your emergency fund during a major life transition
- Move on your schedule instead of waiting until you’ve saved up every dollar
Whether you’re buying or renting, staying local or moving cross-country, financing gives you freedom and flexibility when you need it most.
What You Can Use Your Moving Loan For
With Molloy’s Move Now, Pay Later program, the funds are yours to allocate. In addition to your professional move, many customers use their personal loan to help cover:
- Down payments, closing costs, and prepaid housing expenses
- New furniture, mattresses, and essential household items
- Utility deposits and setup fees
- Storage and packing services
- Travel, lodging, and pet-related costs during the move
You can request varying amounts based on your situation, giving you a single, predictable monthly payment instead of many separate bills.
Fast Approval and Flexible Options
Our financing partners offer:
- Simple online applications
- Soft credit checks for pre-qualification
- Competitive, fixed interest rates
- Clear, predictable monthly payments
- Funding in as little as 1–2 business days in many cases
You stay in control of how much you borrow and how you use it.
Make Your Move Easier With Molloy Moving & Storage
Molloy Moving & Storage has been helping families move for generations. With our Move Now, Pay Later financing, relocating has never been more convenient or more budget-friendly.
Ready to explore your options and build a move that fits your budget?
Learn more about Move Now, Pay Later and get pre-qualified today.
