First-Time Home Buyer Checklist

Check off items as you go, or print a copy. The exact order can change with your situation, your contract, and your loan program.

1. Before you shop

Choose a comfortable monthly paymentInclude room for savings and regular expenses. A lender’s qualifying amount may be different from what feels comfortable to you.
Estimate all housing costsConsider principal and interest, property taxes, insurance, mortgage insurance if applicable, HOA dues, utilities, and upkeep.
Review your cash for the purchasePlan for down payment, closing costs, prepaid taxes or insurance, moving costs, and a reserve for surprises.
Talk with a loan officerShare your plans and ask what information is needed for prequalification or a more detailed preapproval. See how those steps differ. You can also compare common loan paths. See what could change before closing.

2. Get ready to make an offer

Gather financial documentsA lender may request identification, recent income records, bank statements, and details of debts or other funds. Ask for a list tailored to your situation.
Choose an agent and start comparing homesLook at location, condition, taxes, insurance considerations, HOA rules, and the payment each property might create.
Discuss your offer and deadlinesReview price, earnest money, inspection terms, financing and appraisal provisions, and any sale contingency with your agent before signing.

3. From contract to closing

Respond to lender document requestsKeep an eye on requests for updated income, asset, or other information. Avoid assuming an early letter is final approval.
Review inspection and property detailsDiscuss findings and any negotiation or repair questions with your agent and appropriate professionals.
Review the final numbers and prepare for closingAsk your lender and closing team about the cash needed, payment, closing documents, and how to deliver funds securely. Compare your Loan Estimate and Closing Disclosure and ask about changes. Confirm wiring instructions by calling a trusted number you obtained independently.

Start before you find a home

You can begin a mortgage conversation while you’re still exploring. For a closer look at a possible purchase range, read how to think about affordability.

Ready to talk through your first step?

Complete the short questionnaire and I’ll follow up about your plans and possible mortgage options.

Start prequalification

This starts a conversation. It is not a loan approval or commitment to lend.

First-time home buyer checklist

1. Before you shop

2. Get ready to make an offer

3. From contract to closing

Start before you find a home

Ready to talk through your first step?

More buyer guides