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You’ll need funds for a down payment (typically 3%–20%), earnest money (1%–3% of offer), and closing costs (2%–5% of the purchase price). Phase 2: Getting "Mortgage-Ready"
Here is a step-by-step guide to navigating the process in 2026. Phase 1: Financial Preparation what steps do i take to buy a house
Once you have a budget, you need official backing to be taken seriously by sellers. You’ll need funds for a down payment (typically
Review reports from major bureaus like Equifax or TransUnion to fix errors and understand your standing. earnest money (1%–3% of offer)