1. Step 1

   Set a budget

   List your available savings and monthly housing budget. Include taxes, insurance, HOA fees, maintenance and moving costs. Compare written lender estimates when you are ready to finance.

   • Write down funds available for the purchase and money you want to keep aside.
   • Use your own rate and cost estimates; a calculator result is not financing approval.
   Estimate monthly costs

2. Step 2

   Define your search

   Choose areas, property types and essential features. Review each listing’s current status and ask the listing agent to confirm availability.

   • Separate essential features from preferences, including access and space needs.
   • Record listing references, questions and a realistic viewing schedule.
   Browse homes for sale

3. Step 3

   Choose an agent

   Compare public profiles, service areas and experience. Discuss representation, services and fees directly before choosing an agent.

   • Ask who will handle viewings, questions and time-sensitive messages.
   • Confirm the agent serves your target area and the type of home you want.
   Find a buyer’s agent

4. Step 4

   Investigate the property

   Review available property records and disclosures. Ask a qualified inspector about the home’s condition and specialist checks relevant to the property.

   • Compare the address, property details and dates across the listing and available records.
   • Request written inspection findings and discuss unanswered questions before making decisions.
   Plan a home inspection

5. Step 5

   Review your documents

   Work with your chosen professionals on the offer, deadlines, financing and closing documents. Keep authorized inspection reports and home records together.

   • Keep a dated checklist of documents, responsible contacts and agreed deadlines.
   • Review which private documents you intend to share and who should have access.
   Organize home records

6. Step 6

   Prepare for move-in

   Arrange the move, utilities, cleaning and any repairs with confirmed providers. Save the details you need for the next stage of owning the home.

   • Confirm access, keys, service dates and the scope of each job.
   • Keep provider contacts, receipts and completed-work records for ongoing upkeep.
   Plan move-in services

For explanations of mortgage costs and lender documents, visit the Consumer Financial Protection Bureau’s home buying resources.