Down payments range from 3% to 20% of the home price.

Save 3 to 6 months of expenses for surprise repairs. 🏦 Phase 2: Mortgage & Team How to Buy a House: A Step-by-Step Guide - Investopedia

A higher score earns you much lower interest rates. You can grab free reports from AnnualCreditReport.com .

Expect to pay 2% to 5% of the loan amount in processing fees.

Keep total monthly housing costs below 30% to 40% of your gross income.

💵 Phase 1: Financial Prep