{"id":130555,"date":"2026-06-05T07:05:49","date_gmt":"2026-06-05T11:05:49","guid":{"rendered":"https:\/\/www.houzeo.com\/blog\/?p=130555"},"modified":"2026-06-05T07:05:59","modified_gmt":"2026-06-05T11:05:59","slug":"how-to-buy-a-house","status":"publish","type":"post","link":"https:\/\/www.houzeo.com\/blog\/how-to-buy-a-house\/","title":{"rendered":"First Time Home Buyer: Step-by-Step Complete 2026 Guide"},"content":{"rendered":"\n<p>Thinking of buying a home?<\/p>\n\n\n\n<p>From coast-to- coast, the US offers an incredible variety of places to call home. Every state in America offers something special. Enjoy sunshine and low taxes in Florida or Texas, or mountain views in Colorado.<\/p>\n\n\n\n<p>Whether you&#8217;re a first-time homebuyer or new to the <a   href=\"https:\/\/www.houzeo.com\/housing-market\" target=\"_blank\" rel=\"noreferrer noopener\">housing market<\/a>, this guide will teach you everything you need to know. We&#8217;ve broken down the entire home-buying process into 13 actionable steps.<\/p>\n\n\n\t<div  class=\"hfsWidget \" data-widget-title=\"Find your dream home \ud83c\udfe0\" data-widget-list-item1=\"1st item\" data-widget-list-item2=\"2nd item\" data-widget-list-item3=\"3rd item\" data-widget-type=\"buyer1\" data-widget-vendor-type=\"inspector\" data-widget-state=\"us\" data-widget-city=\"\" data-widget-redirect-url=\"https:\/\/www.houzeo.com\/homes-for-sale\" data-widget-redirect-text=\"Homes for sale\" data-widget-button-url=\"https:\/\/www.houzeo.com\" data-widget-button-text=\"\" data-widget-min-price=\"0\" data-widget-max-price=\"0\" data-widget-min-area=\"0\" data-widget-max-area=\"0\" data-widget-sidebar=\"false\">\n        <div class=\"widgetMainBox mainBox456\">\n        <div class=\"widgetBox widgetBox3 buyer-one\">\n            <div class=\"widgetTop\" style=\"display: flex;\">\n                <div class=\"widgetTopcont\">\n                    <div class=\"homePageQuickListing -page homepage widgetInBox3 hfs_new_design_widget\">\n                      <div class=\"HeaderTopSidebar\"> \n                        <p class=\"headerStyle\">Find your dream home \ud83c\udfe0<\/p>\n                                                                         <div class=\"widgetList skeleton skeleton-text\">\n                            <p>View 1,612,592 homes for sale in <span\n                            class=\"propertyStateSpan\">US<\/span><\/p>                            \n                        <\/div>\n                                                                      <\/div>  \n                        <div class=\"verifyFieldForm addInput\">\n                            <div class=\"inputSearchBox\">\n                                <div class=\"inputBoxElement addressBar\">\n                                    <input type=\"text\" name=\"ITBTtRE\" id=\"buyerAutocomplete\"\n                                        placeholder=\"Enter an address, city, neighborhood, or ZIP\"\n                                        class=\"pac-target-input buyerAutocomplete\" autocomplete=\"off\">\n                                <\/div>\n                                <span class=\"errorStreetMsg errorMsg\">Please enter valid address<\/span>\n                            <\/div>\n                            \n                            <div class=\"inputSubmitBox\">\n                                                                <button id=\"buyerBtnBox456\" class=\"continueCta storeAddress next_btn buyerBtnBox\">Search\n                                    <span class=\"arrowContinue\"><\/span><\/button>\n                            <\/div>\n                        \n                        <\/div>\n                    <\/div>\n                <\/div>\n            <\/div>\n            <div class=\"widgetInsideBox\">\n                <div class=\"widgetPropertyBoxNew\" id=\"propertyContainer\">\n                <div class=\"widgetPropertyInnerBox\">   \n                 \t\t\t\t\t\t   <div class=\"widgetPropColumnNew halfWidthCard\">\n\t\t\t\t\t\t\t  <a href=\"https:\/\/www.houzeo.com\/homes\/2012-n-park-rd-spokane-valley-wa-99212\/hzid_ba366212\" class=\"widgetAnchorColumnLink\" target=\"_blank\" >\n\t\t\t\t\t\t\t\t   <div class=\"widgetImageBox\">\n\t\t\t\t\t\t\t\t\t   <img decoding=\"async\" src=\"https:\/\/cdn.houzeo.com\/idx\/media\/19\/SPOMSAR202612174\/2_SAR6528756_00b8ccaa32_dim_640X450.webp\" alt=\"\" onerror=\"this.src='https:\/\/dtpwvruv8ddnl.cloudfront.net\/seller\/listing\/uploads\/listing_images\/thumbnails\/empty-property.jpg';\">\n\t\t\t\t\t\t\t\t\t   \t\t\t\t\t\t\t\t\t\t\t\t   <img decoding=\"async\" src=\"https:\/\/cdn.houzeo.com\/images\/idx\/spokane-mls-new-xs-logo.webp\" alt=\"logo\" class=\"insideWidgetLogo\">\n\t\t\t\t\t\t\t\t\t\t\t\t   \t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t   <div class=\"widgetTextBox\" >\n\t\t\t\t\t\t\t\t\t   <p class=\"priceText\">$970,000<\/p>\n\t\t\t\t\t\t\t\t\t   <span class=\"addressText\">\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t2012 n park rd, <br\/>spokane valley, WA 99212\t\t\t\t\t\t\t\t\t<span class=\"suummarize-info grey-img\">\n\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/dtpwvruv8ddnl.cloudfront.net\/images\/blog\/blog-info-gray.svg\" alt=\"\">\n\t\t\t\t\t\t\t\t\t\t <span class=\"voult-tooltip-box\">\n\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"info-wrap\">\n\t\t\t\t\t\t\t\t\t\t\t\t<p class=\"fz-12\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\tListing Provided by:  LT Real Estate <br>\t\t\t\t\t\t\t\t\t\t\t\t\tSource: Spokane MLS-WA | MLS#: 202612174<\/p>\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t   <\/div>\n\t\t\t\t\t\t\t   <\/a>\n\t\t\t\t\t\t   <\/div>\n\t\t\t\t\t\t   \t\t\t\t\t\t   <div class=\"widgetPropColumnNew halfWidthCard\">\n\t\t\t\t\t\t\t  <a href=\"https:\/\/www.houzeo.com\/homes\/97-liberty-st-thompson-ny-12701\/hzid_e05d62bb\" class=\"widgetAnchorColumnLink\" target=\"_blank\" >\n\t\t\t\t\t\t\t\t   <div class=\"widgetImageBox\">\n\t\t\t\t\t\t\t\t\t   <img decoding=\"async\" src=\"https:\/\/d1i6r5w646k4dq.cloudfront.net\/images\/KEY424343462\/07f0aaae-4e2f-417d-8db9-4bb99cbae363.jpeg\" alt=\"\" onerror=\"this.src='https:\/\/dtpwvruv8ddnl.cloudfront.net\/seller\/listing\/uploads\/listing_images\/thumbnails\/empty-property.jpg';\">\n\t\t\t\t\t\t\t\t\t   \t\t\t\t\t\t\t\t\t\t\t\t   <img decoding=\"async\" src=\"https:\/\/dtpwvruv8ddnl.cloudfront.net\/images\/idx\/one-key-mls-logo-xs.webp\" alt=\"logo\" class=\"insideWidgetLogo\">\n\t\t\t\t\t\t\t\t\t\t\t\t   \t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t   <div class=\"widgetTextBox\" >\n\t\t\t\t\t\t\t\t\t   <p class=\"priceText\">$599,900<\/p>\n\t\t\t\t\t\t\t\t\t   <span class=\"addressText\">\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t97 liberty st, <br\/>thompson, NY 12701\t\t\t\t\t\t\t\t\t<span class=\"suummarize-info grey-img\">\n\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/dtpwvruv8ddnl.cloudfront.net\/images\/blog\/blog-info-gray.svg\" alt=\"\">\n\t\t\t\t\t\t\t\t\t\t <span class=\"voult-tooltip-box\">\n\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"info-wrap\">\n\t\t\t\t\t\t\t\t\t\t\t\t<p class=\"fz-12\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\tListing Provided by: Brian J Caplicki | Keller Williams Hudson Valley <br>\t\t\t\t\t\t\t\t\t\t\t\t\tSource: OneKey MLS-NY | MLS#: 984174<\/p>\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t   <\/div>\n\t\t\t\t\t\t\t   <\/a>\n\t\t\t\t\t\t   <\/div>\n\t\t\t\t\t\t                        <div class=\"widgetPropColumnNew fullWidthCard \">\n\t\t\t\t\t\t<a href=\"https:\/\/www.houzeo.com\/homes-for-sale\" class=\"widgetanctextfind widgetancTextForAll\" target=\"_blank\">Homes for sale<span><img decoding=\"async\" src=\"https:\/\/houzeo-media-1.s3.amazonaws.com\/homes-for-sale\/blue-arrow.svg\" alt=\"arrow\" width=\"11\" height=\"10\"><\/span> \n\t\t\t\t\t\t<\/a>\n\t\t\t\t\t<\/div>\n                   <\/div>   \n               \n                <\/div>\n            <\/div>\n        <\/div>\n    <\/div>\n       \n    <\/div>\n\t<script>\n    document.addEventListener(\"DOMContentLoaded\", function() {        \n        if (!window.assetsLoaded) {\n            window.assetsLoaded = true;\n            var version = (typeof customData !== 'undefined' && customData.customVersion) ? customData.customVersion : '1.0';\n            loadScript('\/blog\/wp-content\/themes\/houzeo-new-design\/js\/hfs-widget.js?version=' + version);\n            loadCSS('\/blog\/wp-content\/themes\/houzeo-new-design\/css\/hfs-widget.css?version=' + version);\n        }    \n    });\n\t\t\n\t<\/script>\n\t\n\n\n\n<div class=\"wp-block-houzeo-takeaways-list takeawaysSec\"><p class=\"headKeySec\"><strong>Key Takeaways<\/strong><\/p><ol class=\"listing\"><li><strong>Get Pre-Approved ASAP<\/strong>: The US is currently leaning toward a buyer\u2019s market in many areas, a pre-approval letter helps you stand out.\u200b<\/li><li><strong>Save Thousands with Assistance Programs<\/strong>: Many US states offer down payment assistance programs, such as CalHFA in California, TDHCA in Texas and, Florida Assist in Florida<\/li><li><strong>Don&#8217;t Skip Home Inspections<\/strong>: A home inspection is essential before you buy, and reports like roof or wind mitigation assessments can even lower your insurance costs by up to <a   href=\"https:\/\/honeyquote.com\/post\/all-about-wind-mitigation-reports?utm_source=chatgpt.com\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">45%<\/a><\/li><li><strong>Ask for Credits, Not Repairs<\/strong>: If the inspection has issues, ask the seller for credit at closing. This allows you to hire your own contractors and prevent closing delays.<\/li><li><strong>Protect Your Investment and Your Wallet<\/strong>: Get the right insurance coverage for your home, and check your state\u2019s homestead exemption or property tax relief options to lower your annual costs.<\/li><\/ol><\/div>\n\n\n\n<div style=\"height:10px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div class=\"wp-block-custom-accordion custom-accordion\">\n<div class=\"wp-block-custom-accordion-item accordion-item\"><button class=\"accordion-header\"><span class=\"accordion-title\">\ud83c\udfe0 What is Houzeo?<\/span><img decoding=\"async\" loading=\"lazy\" width=\"840px\" height=\"450px\" class=\"accordion-icon\" src=\"https:\/\/dtpwvruv8ddnl.cloudfront.net\/images\/flat-fee-mls\/faqArrow.svg\" alt=\"toggle\"\/><\/button><div class=\"accordion-content\">\n<p>Houzeo is America&#8217;s best home buying and selling platform.<\/p>\n\n\n\n<p><strong>For Home Sellers:<\/strong> List your home for a Flat Fee, and save 2.5% to 5.5% on the listing agent commission! That&#8217;s thousands of dollars extra in your pocket.<\/p>\n\n\n\n<p><strong>For Home Buyers:<\/strong> Houzeo has the most number of <a   href=\"https:\/\/www.houzeo.com\/homes-for-sale\" target=\"_blank\" rel=\"noreferrer noopener\">houses for sale in US<\/a>. Start your dream home search now!<\/p>\n<\/div><\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-custom-accordion custom-accordion\">\n<div class=\"wp-block-custom-accordion-item accordion-item\"><button class=\"accordion-header\"><span class=\"accordion-title\">\ud83d\udcf1 Does Houzeo have a mobile app?<\/span><img decoding=\"async\" loading=\"lazy\" width=\"840px\" height=\"450px\" class=\"accordion-icon\" src=\"https:\/\/dtpwvruv8ddnl.cloudfront.net\/images\/flat-fee-mls\/faqArrow.svg\" alt=\"toggle\"\/><\/button><div class=\"accordion-content\">\n<p>Yes! You can list your home for sale or search millions of homes on the Houzeo mobile app!<\/p>\n\n\n\n<p>Download now on the <a   href=\"https:\/\/apps.apple.com\/app\/id1576836461\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">Apple App Store<\/a> or the <a   href=\"https:\/\/play.google.com\/store\/apps\/details?id=com.houzeo.houzeo&#038;pli=1\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">Google Play Store<\/a>.<\/p>\n<\/div><\/div>\n<\/div>\n\n\n\n<h2 class=\"wp-block-heading margin-top-28\" id=\"steps-to-buying-a-home\"><strong><strong>How to Buy a Home for the First Time: 13 Steps!<\/strong><\/strong><\/h2>\n\n\n\n<p>This step-by-step guide walks first time home buyers through everything, from assessing finances and budgeting for a down payment to choosing the right mortgage. These 13 steps to buy a house make the real estate process clear, simple, and manageable.<\/p>\n\n\n\n<h3 class=\"wp-block-heading margin-top-15\" id=\"cheapest-state-to-buy-a-house\"><strong>Step 1: Assess Your Finances<\/strong><\/h3>\n\n\n\n<p>Before you start looking for a home, you\u2019ll need to make sure you meet the basic requirements most lenders look at. These include your credit score, debt, savings for a down payment and closing costs, and proof of steady income.<\/p>\n\n\n\n<p>As a first time home buyer, the two factors that should matter the most to you are your credit score and Debt-to-Income (DTI) ratio. Additionally, you must also consider how much you can afford for a down payment, a monthly mortgage, taxes, and insurance.<\/p>\n\n\n\n<h4 class=\"wp-block-heading margin-top-15\" id=\"What-credit-score-is-needed-to-buy-a-house-in-US\">What credit score is needed to buy a house?<\/h4>\n\n\n\n<p>A credit score is a three-digit number that indicates your creditworthiness to lenders. The minimum credit score to buy a house depends on the type of mortgage you get.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><thead><tr><th><strong>Loan Type<\/strong><\/th><th><strong>Minimum Score<\/strong><\/th><th><strong>Ideal Score<\/strong><\/th><\/tr><\/thead><tbody><tr><td><strong>FHA<\/strong><\/td><td>500 (10% down)<\/td><td>580+ (3.5% down)<\/td><\/tr><tr><td><strong>Conventional<\/strong><\/td><td>620<\/td><td>740+<\/td><\/tr><tr><td><strong>VA<\/strong><\/td><td>No minimum<\/td><td>620<\/td><\/tr><tr><td><strong>USDA<\/strong><\/td><td>No minimum<\/td><td>640<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h4 class=\"wp-block-heading margin-top-15\" id=\"first-time-home-buyer-requirements-for-loan\">Minimum and Ideal Credit Scores by Loan Type<\/h4>\n\n\n\n<p>Portfolio mortgage loans are easy to qualify for. Here, the <a   href=\"https:\/\/www.houzeo.com\/blog\/what-credit-score-is-needed-to-buy-a-house\/\" target=\"_blank\" rel=\"noreferrer noopener\">credit score needed to buy a house<\/a> starts at around 580. VA loans are available only to veterans and active-duty service members, and require a score of 620. FHA loans also accept scores as low as 580. They are good for buyers with lower credit scores looking for houses. <\/p>\n\n\n\n<div class=\"wp-block-custom-accordion custom-accordion\">\n<div class=\"wp-block-custom-accordion-item accordion-item\"><button class=\"accordion-header\"><span class=\"accordion-title\">How to check my credit score when buying property ?<\/span><img decoding=\"async\" loading=\"lazy\" width=\"840px\" height=\"450px\" class=\"accordion-icon\" src=\"https:\/\/dtpwvruv8ddnl.cloudfront.net\/images\/flat-fee-mls\/faqArrow.svg\" alt=\"toggle\"\/><\/button><div class=\"accordion-content\">\n<p>When purchasing property, you can check your credit score using several reliable methods. Most of them are free and will not harm your score:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Annual Credit Reports:<\/strong>&nbsp;Federal law entitles you to one free credit report every 12 months from each of the three major credit bureaus: Equifax, Experian, and TransUnion. These can be accessed through the official, government-authorized website, <a   href=\"https:\/\/www.annualcreditreport.com\/requestreport\/landingpage.action\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">AnnualCreditReport.com<\/a>.\u200b<\/li>\n\n\n\n<li><strong>Credit Monitoring Services:<\/strong>&nbsp;Many banks, credit card issuers, and financial service apps provide complimentary and regular access to the <a   href=\"https:\/\/www.fico.com\/\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">FICO<\/a>score. This is a convenient way to track your credit health over time. <\/li>\n<\/ul>\n<\/div><\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-custom-accordion custom-accordion\">\n<div class=\"wp-block-custom-accordion-item accordion-item\"><button class=\"accordion-header\"><span class=\"accordion-title\">How to boost my credit score to buy a home?<\/span><img decoding=\"async\" loading=\"lazy\" width=\"840px\" height=\"450px\" class=\"accordion-icon\" src=\"https:\/\/dtpwvruv8ddnl.cloudfront.net\/images\/flat-fee-mls\/faqArrow.svg\" alt=\"toggle\"\/><\/button><div class=\"accordion-content\">\n<p>Knowing how to <a   href=\"https:\/\/www.houzeo.com\/blog\/how-to-repair-credit\/\" target=\"_blank\" rel=\"noreferrer noopener\">repair your credit score<\/a> is important to get better mortgage rates. If you&#8217;re a first time home buyer, here&#8217;s what you need to do: <\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Pay down credit card balances and make all payments on time.<\/li>\n\n\n\n<li>Avoid opening multiple new accounts quickly.<\/li>\n\n\n\n<li>Consider becoming an authorized user on a family member\u2019s account with a good history.<\/li>\n\n\n\n<li>Monitor your score regularly to track progress.<\/li>\n<\/ul>\n<\/div><\/div>\n<\/div>\n\n\n\n<h4 class=\"wp-block-heading margin-top-28\" id=\"average-mortgage-in-california\"><strong>How to Calculate Your Monthly Mortgage Payment ?<\/strong><\/h4>\n\n\n\n<p>As a first time home buyer, knowing your <a   href=\"https:\/\/www.houzeo.com\/blog\/average-mortgage-payment\/\" target=\"_blank\" rel=\"noreferrer noopener\">average mortgage payment<\/a> helps you plan your budget. Your total payment includes 4 key components, often called PITI:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Principal and Interest:<\/strong>&nbsp;This is a major chunk of your payment, covering the amount you borrowed (principal) and the cost of borrowing (interest). It&#8217;s determined by your loan amount, interest rate, and loan term.\u200b<\/li>\n\n\n\n<li><strong>Taxes:<\/strong>&nbsp;Property taxes are based on your home&#8217;s assessed value and can very state to state. for example, New Jersey\u2019s is over 2.2% of home value, while Delaware\u2019s is just 0.56%. The lender holds these funds in an escrow account and pays the tax on your behalf.\u200b<\/li>\n\n\n\n<li><strong>Insurance:<\/strong>&nbsp;Lenders require you to have homeowners&#8217; insurance to protect the property. The annual premium is usually divided by 12 and added to your monthly payment, also managed through the escrow account.<\/li>\n<\/ul>\n\n\n\n<p>Apart from PITI, your monthly payment may also include <a   href=\"https:\/\/www.houzeo.com\/blog\/what-is-pmi\/\" target=\"_blank\" rel=\"noreferrer noopener\">Private Mortgage Insurance<\/a> if your down payment is less than 20%, and <a   href=\"https:\/\/www.houzeo.com\/blog\/hoa\/#homeowner-association-fees\" target=\"_blank\" rel=\"noreferrer noopener\">HOA fees<\/a>.<\/p>\n\n\n\n<div class=\"wp-block-houzeo-grey-text blue-box-content-list\"><strong>\ud83d\udc49 How Much Home Can You Afford?<\/strong> Get an instant monthly payment estimate with Houzeo&#8217;s free <a   href=\"https:\/\/www.houzeo.com\/mortgage-calculator\" target=\"_blank\" rel=\"noreferrer noopener\">mortgage calculator<\/a>.<\/div>\n\n\n\n<h4 class=\"wp-block-heading margin-top-28\" id=\"debt-to-income-ratio-to-buy-house-california\">What Is a Debt-to-Income (DTI) Ratio?<\/h4>\n\n\n\n<p>Your <a   href=\"https:\/\/www.houzeo.com\/blog\/debt-to-income-ratio\/\" target=\"_blank\" rel=\"noreferrer noopener\">debt-to-income ratio<\/a> shows how much of your monthly income goes toward debt payments, including mortgage, car loans, credit cards, and student loans. To calculate it, add all monthly debts and divide the total by your gross pre-tax monthly income. <\/p>\n\n\n\n<p>A high DTI can prevent you from qualifying for a mortgage, as it shows that you struggle to manage your debt. For the best mortgage rates and a higher likelihood of mortgage approval, aim for a DTI ratio of 36% or lower.<\/p>\n\n\n\n<p>High-cost states like California, New York, and Hawaii often have buyers with higher DTIs, which may require stronger credit scores or larger down payments to qualify. In more affordable states such as Ohio, Indiana, and Texas, buyers typically have more flexibility because home prices are lower.<\/p>\n\n\n\n<p>\ud83d\udca1<em> You can still qualify for a loan in many states despite a high DTI if you have compensating factors like a strong credit history, significant cash reserves or savings, stable long-term employment, etc.<\/em> <\/p>\n\n\n\n<h4 class=\"wp-block-heading margin-top-15\" id=\"california-mortgage-loan-dti-ratio\">Recommended DTI Ratios by Loan Type<\/h4>\n\n\n\n<figure class=\"wp-block-table\"><table><thead><tr><th>Loan Type<\/th><th>Recommended DTI Ratio<\/th><th>With Compensating Factors<\/th><\/tr><\/thead><tbody><tr><td><strong>Conventional<\/strong><\/td><td>36% back-end<\/td><td>45-50%<\/td><\/tr><tr><td><strong>FHA<\/strong><\/td><td>43% back-end<\/td><td>Up to 50%<\/td><\/tr><tr><td><strong>VA<\/strong><\/td><td>41%<\/td><td>Can exceed 50% with the residual income test<\/td><\/tr><tr><td><strong>USDA<\/strong><\/td><td>41% back-end<\/td><td>44% with strong credit<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<div class=\"wp-block-custom-accordion custom-accordion\">\n<div class=\"wp-block-custom-accordion-item accordion-item\"><button class=\"accordion-header\"><span class=\"accordion-title\">How to improve my DTI ratio? <\/span><img decoding=\"async\" loading=\"lazy\" width=\"840px\" height=\"450px\" class=\"accordion-icon\" src=\"https:\/\/dtpwvruv8ddnl.cloudfront.net\/images\/flat-fee-mls\/faqArrow.svg\" alt=\"toggle\"\/><\/button><div class=\"accordion-content\">\n<p>To improve your DTI ratio for a mortgage, you can either reduce your monthly debts or increase your verifiable income.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Pay Down Debt:<\/strong>&nbsp;Use a tax refund or bonus to clear smaller loans, or consolidate multiple debts into a single loan with a lower monthly payment.\u200b<\/li>\n\n\n\n<li><strong>Increase Verifiable Income:<\/strong>&nbsp;Ask for a raise, take on part-time work, or start a side business. Include all consistent income sources on your application, such as bonuses or commissions, but remember that lenders require a two-year history for secondary income.\u200b<\/li>\n\n\n\n<li><strong>Adjust Your Housing Budget:<\/strong>&nbsp;A larger down payment reduces your loan amount and your monthly mortgage payment. You can also consider a lower home purchase price to keep your future housing costs down. <\/li>\n<\/ul>\n<\/div><\/div>\n<\/div>\n\n\n\n<h3 class=\"wp-block-heading margin-top-28\" id=\"cheapest-state-to-buy-a-house\"><strong>Step 2: Budget for Your Down Payment and Closing Costs<\/strong><\/h3>\n\n\n\n<p>You should set aside money for the down payment and closing costs. First- time home buyer programs help make homeownership accessible and affordable. <\/p>\n\n\n\n<div style=\"height:10px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div class=\"wp-block-custom-accordion custom-accordion\">\n<div class=\"wp-block-custom-accordion-item accordion-item\"><button class=\"accordion-header\"><span class=\"accordion-title\">What options are available for low income house buying assistance in the US?<\/span><img decoding=\"async\" loading=\"lazy\" width=\"840px\" height=\"450px\" class=\"accordion-icon\" src=\"https:\/\/dtpwvruv8ddnl.cloudfront.net\/images\/flat-fee-mls\/faqArrow.svg\" alt=\"toggle\"\/><\/button><div class=\"accordion-content\">\n<p>Low-income individuals can access assistance through federal government-backed loans and programs.<br>Agencies such as the <a   href=\"https:\/\/www.hud.gov\/\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">U.S. Department of Housing<\/a>, <a   href=\"https:\/\/www.fanniemae.com\/\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">Fannie Mae<\/a>, and <a   href=\"https:\/\/www.freddiemac.com\/\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">Freddie Mac<\/a> offer programs that have reduced down payments, lower interest rates, or grants to cover closing costs.<\/p>\n<\/div><\/div>\n<\/div>\n\n\n\n<h4 class=\"wp-block-heading margin-top-15\">How Much Down Payment Does First Time Home Buyer Need?<\/h4>\n\n\n\n<p>Typically, the <a   href=\"https:\/\/www.houzeo.com\/blog\/how-much-down-payment-for-a-house\/\" target=\"_blank\" rel=\"noreferrer noopener\">down payment on a house<\/a> for a first-time home buyer usually ranges from 3% to 20% of the property&#8217;s price. However, it can vary based on the loan type. FHA loans require just 3.5% down, while some conventional loans allow a 3% down payment.<\/p>\n\n\n\n<p>To help with these upfront costs, there are many state and local down payment assistance programs. They provide grants or loans to cover these expenses.<\/p>\n\n\n\n<p>\ud83d\udc49 <a   href=\"#how-to-buy-a-house-with-low-income\"><strong>First Time Home Buyer Programs<\/strong><\/a> Find out which is the #1 downpayment assistance program in the US.<\/p>\n\n\n\n<h4 class=\"wp-block-heading margin-top-15\" id=\"how-to-estimate-closing-cost-in-us\">How to Estimate Closing Costs?<\/h4>\n\n\n\n<p>Closing costs are fees and expenses paid at closing beyond your down payment. Typically, <a   href=\"https:\/\/www.houzeo.com\/blog\/how-much-are-closing-costs\/\" target=\"_blank\" rel=\"noreferrer noopener\">buyer closing costs<\/a> usually range from 2% to 5% of the home&#8217;s price. So, for a $440,387 home, buyers might pay $8,086 to $20,215. <\/p>\n\n\n\n<p>These fees cover lender charges, appraisals, inspections, title insurance, taxes, agent commissions, and recording fees when buying a property.<\/p>\n\n\n    <div class=\"newClosingCostBox calculatorModal viewClosingCost\">\n\t    <p class=\"ClosingTitle\">Closing Cost Calculator <\/p>\t\n\t    <div class=\"newCloseValueBox calculatorFormModal\">\t\n\t\t\t<div class=\"newCloseInputBox\">\t\n\t\t\t\t<span class=\"newCloseDollar\">\n                    <img decoding=\"async\" src=\"https:\/\/dtpwvruv8ddnl.cloudfront.net\/images\/newBlog\/dollar-vector.svg\" alt=\"dollar\">\n                <\/span>\n                <input id=\"number-separator\" type=\"text\" placeholder=\"Enter Your Home Price\" oninput=\"this.value = this.value.replace(\/[^0-9.]\/g, '').replace(\/(\\..*)\\.\/g, '$1');\" value=\"500,000\" min=\"10000\" step=\"10000\" class=\"homePrice number-separator form-control\">\t\t\t\t\t\n                <span class=\"errorMsg ClosingCostError\" style=\"display: none;\">Please enter your home price<\/span>\t\n\t\t\t<\/div>\n\t\t\t<div class=\"newCloseInputBox newSecClose outlineNone\">\n\t\t\t\t<span class=\"newCloseMap newselectMap\">\n\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/www.houzeo.com\/blog\/wp-content\/themes\/houzeo-new-design\/images\/hou-map.svg\" alt=\"\">\n\t\t\t\t<\/span>\n\t\t\t\t<select aria-label=\"State selection dropdown\" class=\"exist-option-only form-control\" style=\"width: 100%;\">\n                 <option value=\"alabama\" >Alabama<\/option><option value=\"alaska\" >Alaska<\/option><option value=\"arizona\" >Arizona<\/option><option value=\"arkansas\" >Arkansas<\/option><option value=\"california\" >California<\/option><option value=\"colorado\" >Colorado<\/option><option value=\"connecticut\" >Connecticut<\/option><option value=\"delaware\" >Delaware<\/option><option value=\"florida\" >Florida<\/option><option value=\"georgia\" >Georgia<\/option><option value=\"hawaii\" >Hawaii<\/option><option value=\"idaho\" >Idaho<\/option><option value=\"illinois\" >Illinois<\/option><option value=\"indiana\" >Indiana<\/option><option value=\"iowa\" >Iowa<\/option><option value=\"kansas\" >Kansas<\/option><option value=\"kentucky\" >Kentucky<\/option><option value=\"louisiana\" >Louisiana<\/option><option value=\"maine\" >Maine<\/option><option value=\"maryland\" >Maryland<\/option><option value=\"massachusetts\" >Massachusetts<\/option><option value=\"michigan\" >Michigan<\/option><option value=\"minnesota\" >Minnesota<\/option><option value=\"mississippi\" >Mississippi<\/option><option value=\"missouri\" >Missouri<\/option><option value=\"montana\" >Montana<\/option><option value=\"nebraska\" >Nebraska<\/option><option value=\"nevada\" >Nevada<\/option><option value=\"new-hampshire\" >New Hampshire<\/option><option value=\"new-jersey\" >New Jersey<\/option><option value=\"new-mexico\" >New Mexico<\/option><option value=\"new-york\" >New York<\/option><option value=\"north-carolina\" >North Carolina<\/option><option value=\"north-dakota\" >North Dakota<\/option><option value=\"ohio\" >Ohio<\/option><option value=\"oklahoma\" >Oklahoma<\/option><option value=\"oregon\" >Oregon<\/option><option value=\"pennsylvania\" >Pennsylvania<\/option><option value=\"rhode-island\" >Rhode Island<\/option><option value=\"south-carolina\" >South Carolina<\/option><option value=\"south-dakota\" >South Dakota<\/option><option value=\"tennessee\" >Tennessee<\/option><option value=\"texas\" >Texas<\/option><option value=\"utah\" >Utah<\/option><option value=\"vermont\" >Vermont<\/option><option value=\"virginia\" >Virginia<\/option><option value=\"washington\" >Washington<\/option><option value=\"west-virginia\" >West Virginia<\/option><option value=\"wisconsin\" >Wisconsin<\/option><option value=\"wyoming\" >Wyoming<\/option><option value=\"district-of-columbia\" >District of Columbia<\/option>                <\/select>\n                <div id=\"myModal\"><\/div>\n\t\t\t<\/div>\t\n\t\t<\/div>\n\t\t<div class=\"newCloseBox\">\n\t\t\t<div class=\"newRoleSelect\">\t\n\t\t\t\t<p class=\"newRoleTitle\">Select Your Role<\/p>\n\t\t\t\t\t<div class=\"newRoleRadioBox\">\n                        <div class=\"customRadio\">\n                            <label for=\"radio-6a31929747ffd\">\n                                <input id=\"radio-6a31929747ffd\" type=\"radio\" value=\"3\" name=\"radio-group-6a31929747fff\" > <span class=\"checkmark\"> <label for=\"radio-6a31929747ffd\" class=\"checkmarkLabel\"><\/label>Seller<\/span>\n                            <\/label>\n                        <\/div>\t\n\t\t\t\t\t\t<div class=\"customRadio\">\n                            <label for=\"radio-6a31929747ffe\">\n                                <input id=\"radio-6a31929747ffe\" type=\"radio\" value=\"4\" name=\"radio-group-6a31929747fff\" checked> <span class=\"checkmark\"> <label for=\"radio-6a31929747ffe\" class=\"checkmarkLabel\"><\/label> Buyer <\/span><\/div>\n                            <\/label>\n                        <\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div class=\"newRoleButtonBox listingNewRole\">\n                        <a target=\"_blank\" class=\"newRoleButton listingNowBtn\" rel=\"noopener\" data-wpel-link=\"internal\">View My Closing Costs<\/a>\n\t\t\t\t\t<\/div>\n                   \n\t\t<\/div>\t\n\t<\/div>  \n\n<script>\ndocument.querySelectorAll(\".listingNowBtn\").forEach(function(button) {\n    button.addEventListener(\"click\", function(e) {\n        e.preventDefault();\n\n        var calculatorContainer = button.closest(\".newClosingCostBox\"); \/\/ Find the parent container\n        var propertyPriceInput = calculatorContainer.querySelector(\".homePrice\");\n        var propertyPrice = propertyPriceInput.value.replace(\/,\/g, ''); \/\/ Get price\n\n        if (propertyPrice == \"\" || propertyPrice == \"0\") {\n            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loadScript('https:\/\/cdn.jsdelivr.net\/npm\/select2@4.0.12\/dist\/js\/select2.min.js?version=1.0.0', function(){\n\n            jQuery(\"select.exist-option-only\").select2({\n                dropdownParent: jQuery('#myModal')\n            })\n        });\n    });\n<\/script>\n\n\n\n\n<h3 class=\"wp-block-heading margin-top-28\" id=\"what-credit-score-do-you-need-to-buy-a-house\"><strong>Step 3: Get Pre-Approved for a Mortgage<\/strong><\/h3>\n\n\n\n<p>Secure your financing early by getting pre-approved for a mortgage as a first time homebuyer. This step helps you understand your budget and strengthens your offer when buying a house.<\/p>\n\n\n\n<h4 class=\"wp-block-heading margin-top-15\"><strong>How to Get Pre-approved as a First Time Home Buyer?<\/strong><\/h4>\n\n\n\n<p>You need to follow these steps to get pre-approved when buying a house:<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>Gather Financial Documents:<\/strong> Provide proof of income (recent pay stubs and W-2s), tax returns (last two years), asset statements, debt information, and a government-issued ID.<\/li>\n\n\n\n<li><strong>Choose a Lender and Apply:<\/strong> <a   href=\"https:\/\/www.houzeo.com\/blog\/best-mortgage-lenders\/\" target=\"_blank\" rel=\"noreferrer noopener\">Compare lenders<\/a> and submit a mortgage application to get the best rates and terms.<\/li>\n\n\n\n<li><strong>Receive Pre-Approval Letter:<\/strong> The lender verifies your info and issues a letter stating your approved loan amount, usually valid for 30\u201390 days.<\/li>\n<\/ol>\n\n\n\n<h4 class=\"wp-block-heading margin-top-15\"><strong>State-Specific Home Buying Documents<\/strong><\/h4>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Attorney Opinion Letter:<\/strong>&nbsp;Needed at closing in some states (e.g., Georgia, South Carolina).<\/li>\n\n\n\n<li><strong>Specialized Property Disclosures:<\/strong>&nbsp;Like seismic risk (California), radon gas (Minnesota\/Illinois), or extensive environmental forms.<\/li>\n\n\n\n<li><strong>Well\/Septic Reports:<\/strong>&nbsp;Legally required in rural areas of states such as Maine and Texas.<\/li>\n\n\n\n<li><strong>Homestead Exemption Application:<\/strong>&nbsp;Needed in Florida, Texas, and a few others for property tax reductions.<\/li>\n\n\n\n<li><strong>Unique Tax Forms:<\/strong>&nbsp;States like New York require additional transfer or mansion tax documentation.<\/li>\n<\/ul>\n\n\n\n<div style=\"height:10px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div class=\"wp-block-custom-accordion custom-accordion\">\n<div class=\"wp-block-custom-accordion-item accordion-item\"><button class=\"accordion-header\"><span class=\"accordion-title\">Why is pre-approval important ?<\/span><img decoding=\"async\" loading=\"lazy\" width=\"840px\" height=\"450px\" class=\"accordion-icon\" src=\"https:\/\/dtpwvruv8ddnl.cloudfront.net\/images\/flat-fee-mls\/faqArrow.svg\" alt=\"toggle\"\/><\/button><div class=\"accordion-content\">\n<p>A <a   href=\"https:\/\/www.houzeo.com\/blog\/mortgage-preapproval\/\" target=\"_blank\" rel=\"noreferrer noopener\">mortgage preapproval<\/a> turns you from a casual house hunter to a serious buyer, as it:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Strengthens Your Offer:<\/strong>&nbsp;<a   href=\"https:\/\/finance.yahoo.com\/news\/wtf-72-homebuyers-not-shopping-023635659.html\">86%<\/a> of the sellers prefer buyers with a pre-approved mortgage. For the strongest position, ask for a fully underwritten pre-approval, where the lender has already verified all your documents.\u200b<\/li>\n\n\n\n<li><strong>Defines Your Budget:<\/strong>&nbsp;It clarifies exactly how much you can afford, allowing you to focus your home search on a realistic price range.\u200b<\/li>\n\n\n\n<li><strong>Speeds Up Closing:<\/strong>&nbsp;With much of the financial vetting already completed, the mortgage process is streamlined once your offer on a home is accepted.<\/li>\n<\/ul>\n<\/div><\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-custom-accordion custom-accordion\">\n<div class=\"wp-block-custom-accordion-item accordion-item\"><button class=\"accordion-header\"><span class=\"accordion-title\">Can I get a pre-approved mortgage if I have bad credit?<\/span><img decoding=\"async\" loading=\"lazy\" width=\"840px\" height=\"450px\" class=\"accordion-icon\" src=\"https:\/\/dtpwvruv8ddnl.cloudfront.net\/images\/flat-fee-mls\/faqArrow.svg\" alt=\"toggle\"\/><\/button><div class=\"accordion-content\">\n<p>Yes, you can get pre-approved and even <a   href=\"https:\/\/www.houzeo.com\/blog\/how-to-buy-a-house-with-bad-credit\/\" target=\"_blank\" rel=\"noreferrer noopener\">buy a home with bad credit<\/a>. However, your loan options may be limited. You can also expect higher interest rates with poor credit. <\/p>\n<\/div><\/div>\n<\/div>\n\n\n\n<h3 class=\"wp-block-heading margin-top-28\" id=\"when-to-buy-a-house\"><strong>Step 4: Choose the Right Mortgage<\/strong><\/h3>\n\n\n\n<p>As a first time homebuyer, assess your finances and select a loan that fits your budget and qualifies you for available programs.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><thead><tr><th><strong>Feature<\/strong><\/th><th><strong>Conventional<\/strong><\/th><th><strong>FHA<\/strong><\/th><th><strong>VA<\/strong><\/th><th><strong>USDA<\/strong><\/th><\/tr><\/thead><tbody><tr><td><strong>Min Credit Score<\/strong><\/td><td>620<\/td><td>580 (500 w\/10% down)<\/td><td>No minimum<\/td><td>640<\/td><\/tr><tr><td><strong>Min Down Payment<\/strong><\/td><td>5% to 20%<\/td><td>3.5%<\/td><td>0%<\/td><td>0%<\/td><\/tr><tr><td><strong>Max DTI<\/strong><\/td><td>45% to 50%<\/td><td>43% to 50%<\/td><td>41%+<\/td><td>41% to 44%<\/td><\/tr><tr><td><strong>Mortgage Insurance<\/strong><\/td><td>PMI if &lt;20%<\/td><td>Always<\/td><td>None<\/td><td>Always<\/td><\/tr><tr><td><strong>Loan Limits<\/strong><\/td><td>$766,550+<\/td><td>$498,257 to $766,550<\/td><td>$766,550+<\/td><td>Varies<\/td><\/tr><tr><td><strong>Property Eligibility Criteria<\/strong><\/td><td>Few<\/td><td>Must meet FHA standards<\/td><td>Must meet VA standards<\/td><td>Rural\/s<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p>Once you understand how much you can afford, the next step is choosing the right property type. For many buyers, a starter condo or small single-family house is the most practical first-time home buyer home because it keeps monthly costs manageable.<\/p>\n\n\n\n<h3 class=\"wp-block-heading margin-top-28\" id=\"decide-where-to-buy-a-house-in-us\"><strong>Step 5: Decide Where to Buy a Home <\/strong><\/h3>\n\n\n\n<p>Deciding where to buy is one of the most important steps for a first time homebuyer. Consider factors like local housing markets, popular neighborhoods, cost of living, and amenities to help you find the <a   href=\"https:\/\/www.houzeo.com\/blog\/cheapest-places-to-live\/\" target=\"_blank\" rel=\"noreferrer noopener\">best places to live in<\/a>.<\/p>\n\n\n\n<div style=\"height:10px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div class=\"wp-block-custom-accordion custom-accordion\">\n<div class=\"wp-block-custom-accordion-item accordion-item\"><button class=\"accordion-header\"><span class=\"accordion-title\">Are homes for first time buyers affordable?<\/span><img decoding=\"async\" loading=\"lazy\" width=\"840px\" height=\"450px\" class=\"accordion-icon\" src=\"https:\/\/dtpwvruv8ddnl.cloudfront.net\/images\/flat-fee-mls\/faqArrow.svg\" alt=\"toggle\"\/><\/button><div class=\"accordion-content\">\n<p>As a first-time homebuyer, you have access to a variety of mortgage programs and <a   href=\"https:\/\/www.houzeo.com\/blog\/down-payment-assistance\/\" target=\"_blank\" rel=\"noreferrer noopener\">down payment assistance<\/a> options that can make purchasing a house more affordable.<\/p>\n\n\n\n<p>The best homes for first-time buyers are usually priced within local assistance limits, meet lender standards, and sit in neighborhoods with stable values and affordable insurance.<\/p>\n<\/div><\/div>\n<\/div>\n\n\n\n<h4 class=\"wp-block-heading margin-top-15\" id=\"good-time-to-buy-a-house\"><strong>Why Now Is the Time to Buy a House<\/strong><\/h4>\n\n\n\n<p><span style=\"font-size: revert; color: initial;\">Th<\/span>e US housing market<span style=\"font-size: revert; color: initial;\"> is a buyer&#8217;s market. You now have more negotiating power and a wider selection of properties to choose from:<\/span> <\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Housing Supply Is High:<\/strong> The US currently has about a 6-month housing supply, the benchmark for a balanced or buyer-friendly market.<\/li>\n\n\n\n<li><strong>Prices Have Stabilized:<\/strong> The median existing-home price nationwide is around $440,387.<\/li>\n\n\n\n<li><strong>Sellers Are Negotiating:<\/strong> Roughly one in four homes nationwide have seen price reductions, showing that sellers are becoming more flexible as inventory rises.<\/li>\n\n\n\n<li><strong>Homes Are on the Market Longer:<\/strong> Across the US, homes are spending an average of 80\u201385 days on the market, giving buyers more time to explore options and make informed decisions.<\/li>\n<\/ul>\n\n\n\n<p>These trends show that now is the best time to buy a house. According to <a   href=\"https:\/\/www.foxbusiness.com\/real-estate\/us-housing-market-becoming-buyer-friendly-market\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">Mauricio Umansky<\/a>, founder of The Agency, the current market provides <em>&#8220;great opportunities for buyers to be aggressive and write strong offers.&#8221;<\/em><\/p>\n\n\n\n<h4 class=\"wp-block-heading margin-top-15\"><strong>Popular Areas&nbsp;for Different&nbsp;Buyer Types<\/strong><\/h4>\n\n\n\n<p>With the market now in your favor, you can be more selective about where you buy.&nbsp;Use this advantage to find a neighborhood that matches your priorities, whether it&#8217;s schools, commute, or lifestyle. <\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Best Areas for Families:<\/strong> Neighborhoods like Cary, NC, Naperville, IL, and Overland Park, KS, are top choices for their excellent schools, low crime rates, and family-friendly amenities. If you\u2019re looking for a master-planned community built around parks and top-rated schools, explore <a   href=\"https:\/\/www.houzeo.com\/homes-for-sale\/texas\/frisco\" target=\"_blank\" rel=\"noreferrer noopener\">homes for sale in Frisco, TX<\/a>, where family-friendly properties typically range from $500,000 to $820,000.<\/li>\n\n\n\n<li><strong>Best Areas for Retirees:<\/strong> For those seeking an active retirement, Scottsdale, AZ, Sarasota, FL, and Asheville, NC offer low-maintenance living, warm weather, and vibrant social activities. If you want a community known for its lifestyle amenities and active adult neighborhoods, consider <a   href=\"https:\/\/www.houzeo.com\/homes-for-sale\/florida\/the-villages\" target=\"_blank\" rel=\"noreferrer noopener\">homes for sale in The Villages, FL<\/a>, where prices generally range from $350,000&nbsp;to&nbsp;$366,000.<\/li>\n\n\n\n<li><strong>Best Areas for Young Adults:<\/strong> Cities like Austin, TX, Denver, CO, and Seattle, WA are popular for their booming job markets, cultural events, and nightlife. If a cosmopolitan lifestyle appeals to you, check out modern condos and <a   href=\"https:\/\/www.houzeo.com\/homes-for-sale\/illinois\/chicago\" target=\"_blank\" rel=\"noreferrer noopener\">homes for sale in Chicago, IL<\/a>, where entry-level homes start around $366,800.<\/li>\n<\/ul>\n\n\n\n<h4 class=\"wp-block-heading margin-top-28\"><strong>Consider the Cost of Living When Choosing a Location<\/strong><\/h4>\n\n\n\n<p>When looking for the best place to buy a house, consider the overall cost of living, as lower home prices can be offset by higher taxes or insurance.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>High-Cost Areas:<\/strong> San Francisco, New York, and Honolulu are 15\u201325% above the average.<\/li>\n\n\n\n<li><strong>Moderate-Cost Areas:<\/strong> Dallas, Charlotte, and Phoenix are near or slightly below the average.<\/li>\n\n\n\n<li><strong>Low-Cost Areas:<\/strong> Pittsburgh, Omaha, and Knoxville are 5\u201315% below the national average.<\/li>\n<\/ul>\n\n\n\n<div class=\"wp-block-houzeo-youtube-text-without-button mainVideoSec hide-title\"><div class=\"leftBlockVideo\"><iframe src=\"https:\/\/www.youtube.com\/embed\/C6ezpO7jcxc\" frameborder=\"0\" allowfullscreen><\/iframe><\/div><div class=\"rightBlockVideo\"><p class=\"VideoHead\">The #1 Reason Home Deals Fail Before Closing!<\/p><p class=\"VideoText\">Tired of reading? Watch our complete homebuying guide to learn how to choose the right location and what comes next.<\/p><\/div><\/div>\n\n\n\n<h3 class=\"wp-block-heading margin-top-28\" id=\"search-your-home\"><strong>Step 6: Start House Hunting <\/strong><\/h3>\n\n\n\n<p>Once you\u2019re pre-approved and know where you want to live, the next step is finding the right house. As a first time home buyer, you have two options:<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li>Work with a Realtor.<\/li>\n\n\n\n<li>Search for homes online.<\/li>\n<\/ol>\n\n\n\n<p>An experienced agent can give you valuable local insights and expert guidance on neighborhood trends. However, you&#8217;ll have to negotiate the buyer agent commission with the seller, which may raise the home sale price. <\/p>\n\n\n\n<p>If you prefer to take the lead, a high-tech platform like Houzeo is what you need. Whether you\u2019re looking for beachfront mansions, high\u2011rise penthouses, spacious big homes, or <a   href=\"https:\/\/www.houzeo.com\/homes-for-sale\/luxury-homes-for-sale\" target=\"_blank\" rel=\"noreferrer noopener\">luxury homes in the US<\/a>, Houzeo has you covered. You can browse through thousands of listings, set alerts, and save your search. You can even schedule showings and submit offers, all by yourself.<\/p>\n\n\n\n<div class=\"wp-block-houzeo-fsbo-checklist download_checklist_wrap mainVideoSec mainImageSec\"><div class=\"leftBlockVideo\"><img decoding=\"async\" loading=\"lazy\" width=\"840px\" height=\"450px\" src=\"https:\/\/www.houzeo.com\/blog\/wp-content\/uploads\/2025\/10\/Houzeo-Mobile-App.webp\" alt=\"Image\"\/><\/div><div class=\"rightBlockVideo\"><p class=\"RightBlockTophead\"><strong>Don&#8217;t Just Browse. Buy.<\/strong><\/p><p class=\"RightBlockTophead-content\">Your entire home purchase, managed in one place.<\/p><a   class=\"mobileCTA\" href=\"https:\/\/apps.apple.com\/app\/id1576836461\" target=\"_blank\" rel=\"noopener noreferrer\">Download the Houzeo Mobile App<\/a><\/div><\/div>\n\n\n\n<h3 class=\"wp-block-heading margin-top-28\" id=\"attend-showings\"><strong>Step 7: Schedule and Attend Home Showings<\/strong><\/h3>\n\n\n\n<p>After narrowing down your list of potential homes, schedule and attend showings to see each property in person. For a first time home buyer in the US, visiting homes firsthand helps you assess their condition, layout, and neighborhood, ensuring you make an informed decision.<\/p>\n\n\n\n<p>During the showing, ask key questions such as:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>How long has the home been on the market?<\/li>\n\n\n\n<li>Why is the owner selling?<\/li>\n\n\n\n<li>What is the age of the roof, HVAC system, and water heater?<\/li>\n\n\n\n<li>Are there any HOA fees or special assessments?<\/li>\n\n\n\n<li>Have there been any major repairs or renovations?<\/li>\n<\/ul>\n\n\n\n<p>When touring a home, check for signs of structural or maintenance issues like roof sagging, foundation cracks, water stains, uneven floors, or sticking doors. These may indicate costly repairs down the line.<\/p>\n\n\n\n<div style=\"height:10px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div class=\"wp-block-custom-accordion custom-accordion\">\n<div class=\"wp-block-custom-accordion-item accordion-item\"><button class=\"accordion-header\"><span class=\"accordion-title\">What to look for when shortlisting homes?<\/span><img decoding=\"async\" loading=\"lazy\" width=\"840px\" height=\"450px\" class=\"accordion-icon\" src=\"https:\/\/dtpwvruv8ddnl.cloudfront.net\/images\/flat-fee-mls\/faqArrow.svg\" alt=\"toggle\"\/><\/button><div class=\"accordion-content\">\n<p>Advice for first time homebuyers, there are three main aspects you need to focus on when shortlisting homes: <\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Insurance Risks:<\/strong>&nbsp;Verify the home&#8217;s flood zone using FEMA&#8217;s maps. Get a&nbsp;4-point inspection and a&nbsp;wind mitigation report&nbsp;to assess insurability and identify features, like an old roof or the lack of impact windows, that could drive up insurance costs.<\/li>\n\n\n\n<li><strong>Commute and Lifestyle:<\/strong> Test your commute during rush hour. Visit the neighborhood at different times to check for noise from traffic, airports, or nightlife. Ensure convenient access to key amenities like schools, groceries, and parks.<\/li>\n\n\n\n<li><strong>Home Loans\/Assistance Program Eligibility:<\/strong> If you&#8217;re applying for a loan or first time buyer program, ensure that the house complies with its property requirements, or you may risk losing the assistance. <\/li>\n<\/ul>\n<\/div><\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-houzeo-grey-text blue-box-content-list\">\ud83d\udc49 <strong>Note:<\/strong> If multiple major risks stack up like an older roof, suspect electrical, moisture indicators, or weak condo reserves, move the property down your shortlist.<\/div>\n\n\n\n<h3 class=\"wp-block-heading margin-top-28\" id=\"minimum-credit-score-to-buy-a-house\"><strong>Step 8: Make an Offer<\/strong><\/h3>\n\n\n\n<p>When crafting an offer, make a competitive bid but stay within your budget. As a first time home buyer, consider factors like the home\u2019s market value, recent comparable sales, and any repairs needed. This increases your chances of getting a fair deal.<\/p>\n\n\n\n<h4 class=\"wp-block-heading margin-top-15\" id=\"cheapest-state-to-buy-a-house\"><strong>Step 1: Analyze Recent Sales<\/strong><\/h4>\n\n\n\n<p>Your agent will pull up <a   href=\"https:\/\/www.houzeo.com\/blog\/real-estate-comps\/\" target=\"_blank\" rel=\"noreferrer noopener\">real estate comps<\/a> that are similar to the one you want. Focus on the final sale price, not the list price. Home prices in many metro areas have seen modest declines, so your offer should reflect this trend.\u200b<\/p>\n\n\n\n<h4 class=\"wp-block-heading margin-top-15\"><strong>Step 2: Adjust for the Home&#8217;s Condition<\/strong><\/h4>\n\n\n\n<p>Factor in the age and condition of the roof and HVAC. If a comparable home sold for $439,701 but had a new roof, and your target home needs a $24,000 replacement, adjust your offer to account for that expense.<\/p>\n\n\n\n<h4 class=\"wp-block-heading margin-top-15\"><strong>Step 3: Factor in Today&#8217;s Market<\/strong><\/h4>\n\n\n\n<p>With more homes for sale, you have leverage. Even home builders are lowering their prices by almost <a   href=\"https:\/\/www.nar.realtor\/magazine\/real-estate-news\/more-than-one-third-of-builders-continue-to-cut-prices\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">6%<\/a> to attract buyers. So, for a home that is priced fairly, offer 3% to 5% less. If it is overpriced, you can justify an even lower offer, citing both the comps and market trends.<\/p>\n\n\n\n<h4 class=\"wp-block-heading margin-top-28\"><strong>What is an Earnest Money Deposit?<\/strong><\/h4>\n\n\n\n<p>An <a   href=\"https:\/\/www.houzeo.com\/blog\/earnest-money\/\" target=\"_blank\" rel=\"noreferrer noopener\">earnest money deposit<\/a> is a &#8220;good-faith&#8221; payment that shows you are a serious buyer. This money is held in escrow and applied towards your down payment at closing. <\/p>\n\n\n\n<p>Across the US, buyers usually put down 1%\u20133% as an earnest money deposit. For a $439,701 home, that\u2019s about $4,000\u2013$12,000. In hot markets like Miami, Los Angeles, or New York, sellers may ask for up to 10% to show you\u2019re serious.<\/p>\n\n\n\n<p>Once your offer is accepted, you typically have 3 business days to submit the deposit to an escrow agent, such as a title company or real estate attorney. <\/p>\n\n\n\n<div style=\"height:10px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div class=\"wp-block-custom-accordion custom-accordion\">\n<div class=\"wp-block-custom-accordion-item accordion-item\"><button class=\"accordion-header\"><span class=\"accordion-title\">Can I get my earnest money deposit back?<\/span><img decoding=\"async\" loading=\"lazy\" width=\"840px\" height=\"450px\" class=\"accordion-icon\" src=\"https:\/\/dtpwvruv8ddnl.cloudfront.net\/images\/flat-fee-mls\/faqArrow.svg\" alt=\"toggle\"\/><\/button><div class=\"accordion-content\">\n<p>Yes, you can get your earnest money deposit, but only if you back out of the sale for the following reasons:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>The inspection reveals major issues, and you exercise the inspection contingency.<\/li>\n\n\n\n<li>The appraisal comes in low, and you exercise the appraisal contingency.<\/li>\n\n\n\n<li>You&#8217;re unable to secure the required financing, and exit during the financing contingency period<\/li>\n\n\n\n<li>Title issues are discovered.<\/li>\n<\/ul>\n\n\n\n<p>Many buyers looking to buy a home for the first time forfeit their earnest money because:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>They back out after the contingency periods expire without a valid reason.<\/li>\n\n\n\n<li>They violate contract terms.<\/li>\n\n\n\n<li>The seller meets all contract obligations, but the buyer still refuses to close.<\/li>\n<\/ul>\n<\/div><\/div>\n<\/div>\n\n\n\n<h3 class=\"wp-block-heading margin-top-28\" id=\"how-can-i-buy-a-house\"><strong>Step 9: Conduct Home Inspections<\/strong><\/h3>\n\n\n\n<p>First time home buyers should schedule home inspections to uncover any issues before buying a house. You typically get the inspection report within 24 to 48 hours. <\/p>\n\n\n\n<h4 class=\"wp-block-heading margin-top-15\"><strong>Which Home Inspections Should You Schedule?<\/strong><\/h4>\n\n\n\n<p>A standard <a   href=\"https:\/\/www.houzeo.com\/blog\/home-inspection-contingency\/\" target=\"_blank\" rel=\"noreferrer noopener\">home inspection<\/a> isn&#8217;t enough. The state&#8217;s unique climate and weather risks require a few specialized inspections:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>General Home Inspection ($300\u2013$500):<\/strong> A licensed inspector will examine everything from the roof to the foundation. They pay special attention to storm damage, proper drainage, and the age of the AC unit.<\/li>\n\n\n\n<li><strong>4-Point Inspection ($150\u2013$250):<\/strong> Insurance companies require a <a   href=\"https:\/\/www.houzeo.com\/blog\/4-point-inspection\/\" target=\"_blank\" rel=\"noreferrer noopener\">4-point inspection<\/a> for homes over 30 years old. It focuses on the four most critical systems: the roof, HVAC, electrical, and plumbing. An old roof or an outdated electrical panel can result in the insurance coverage being denied.\u200b<\/li>\n\n\n\n<li><strong>Wind Mitigation Inspection ($75\u2013$150):<\/strong> This inspection documents hurricane-resistant features like impact windows, hurricane straps, and a hip-shaped roof. These features can qualify you for insurance discounts of up to 45%.<\/li>\n\n\n\n<li><strong>WDO \/ Termite Inspection ($75\u2013$100): <\/strong>A <a   href=\"https:\/\/www.houzeo.com\/blog\/va-loan-termite-inspection\/\" target=\"_blank\" rel=\"noreferrer noopener\">termite inspection<\/a> is mandatory for government-backed loans like FHA and VA, and is highly recommended for warm places, damp climate is a breeding ground for termites and other pests that can cause severe structural damage.<\/li>\n<\/ul>\n\n\n\n<h4 class=\"wp-block-heading margin-top-15\"><strong>Consider Other Specialized Inspections<\/strong><\/h4>\n\n\n\n<p>Based on the property, following the first time home buyers guide the buyers may want to conduct additional tests. For older homes, a sewer scope can detect cracks or tree roots in the main sewer line, saving you from a $15,000 repair down the road. If you see large cracks or uneven floors, a $700 <a   href=\"https:\/\/www.houzeo.com\/blog\/foundation-inspection\/\" target=\"_blank\" rel=\"noreferrer noopener\">foundation inspection<\/a> is worth the investment.<\/p>\n\n\n\n<p>For rural properties, a <a   href=\"https:\/\/www.houzeo.com\/blog\/septic-tank-inspection\/\" target=\"_blank\" rel=\"noreferrer noopener\">septic inspection<\/a> is essential. If the home has a pool, a separate pool inspection will check the pump, filter, and structure for costly defects.<\/p>\n\n\n\n<div style=\"height:10px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div class=\"wp-block-custom-accordion custom-accordion\">\n<div class=\"wp-block-custom-accordion-item accordion-item\"><button class=\"accordion-header\"><span class=\"accordion-title\">Can I skip a home inspection to buy a cheap house faster?<\/span><img decoding=\"async\" loading=\"lazy\" width=\"840px\" height=\"450px\" class=\"accordion-icon\" src=\"https:\/\/dtpwvruv8ddnl.cloudfront.net\/images\/flat-fee-mls\/faqArrow.svg\" alt=\"toggle\"\/><\/button><div class=\"accordion-content\">\n<p>It\u2019s not recommended. Even if you plan to <a   href=\"https:\/\/www.houzeo.com\/homes-for-sale\/cheap-homes-for-sale\" target=\"_blank\" rel=\"noreferrer noopener\">buy cheap homes<\/a>, skipping a home inspection can lead to unexpected repair costs.<\/p>\n<\/div><\/div>\n<\/div>\n\n\n\n<h3 class=\"wp-block-heading margin-top-28\" id=\"home-appraisal\"><strong>Step 10: Complete the Home Appraisal<\/strong><\/h3>\n\n\n\n<p>After the inspection, your lender will typically order a home appraisal, which professionally values the property to ensure it matches your offer. <\/p>\n\n\n\n<h4 class=\"wp-block-heading margin-top-15\"><strong>Why Do Lenders Need Appraisals?<\/strong><\/h4>\n\n\n\n<p>A home appraisal confirms the property&#8217;s market value. Appraisers typically focus on the following parameters:<\/p>\n\n\n\n<ul id=\"block-391fcd10-0f1e-4a36-b571-04c5eb4a4d52\" class=\"wp-block-list\">\n<li><strong>Flood Zone and Elevation:<\/strong> A home in a high-risk flood zone (like Zone AE or VE) will likely be valued lower than a similar inland property due to higher insurance premiums.<\/li>\n\n\n\n<li><strong>Insurance and Mitigation Features:<\/strong> The age of the roof, the presence of hurricane shutters, and impact-resistant windows directly affect a home&#8217;s insurability and, therefore, its market value.<\/li>\n\n\n\n<li><strong>Condo\/HOA Health:<\/strong> Appraisers closely examine a condo association&#8217;s financial health. They look for anything that may reduce the unit&#8217;s value, like the association&#8217;s reserve funds or any pending special assessments.<\/li>\n<\/ul>\n\n\n\n<p>A standard home appraisal in the US typically costs between <a   href=\"https:\/\/www.homelight.com\/blog\/buyer-how-long-does-an-appraisal-take\/\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">$300 and $500<\/a> and takes about 7 to 14 days to complete. However, luxury, large, or waterfront properties may require a higher fee and take longer due to their complexity.<\/p>\n\n\n\n<div style=\"height:10px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div class=\"wp-block-custom-accordion custom-accordion\">\n<div class=\"wp-block-custom-accordion-item accordion-item\"><button class=\"accordion-header\"><span class=\"accordion-title\">What to do if you have a low appraisal?<\/span><img decoding=\"async\" loading=\"lazy\" width=\"840px\" height=\"450px\" class=\"accordion-icon\" src=\"https:\/\/dtpwvruv8ddnl.cloudfront.net\/images\/flat-fee-mls\/faqArrow.svg\" alt=\"toggle\"\/><\/button><div class=\"accordion-content\">\n<p>If the appraisal comes in lower than your offer price, you have an appraisal gap. In such a situation, you can either:<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>Renegotiate the Price:<\/strong> Ask the seller to lower the price to the appraised value. In the current market, many sellers are willing to negotiate.<\/li>\n\n\n\n<li><strong>Cover the Gap: <\/strong>If the seller won&#8217;t budge, you can choose to pay the difference in cash.<\/li>\n\n\n\n<li><strong>Dispute the Appraisal:<\/strong> If you believe the appraiser made a factual error or used poor comparable sales, you can file for a Reconsideration of Value.<\/li>\n\n\n\n<li><strong>Walk Away:<\/strong> If you cannot reach an agreement, your appraisal contingency allows you to cancel the contract and get your earnest money back.<\/li>\n<\/ol>\n<\/div><\/div>\n<\/div>\n\n\n\n<h3 class=\"wp-block-heading margin-top-28\" id=\"what-do-you-need-to-buy-a-house\"><strong>Step 11: Negotiate Repairs and Credits<\/strong><\/h3>\n\n\n\n<p>Looking through the lens and ticking most off your first time home buyers checklist. Now use your home inspection results to negotiate repairs and request credits from the seller. This step can help reduce unexpected costs and ensure your new house is move-in ready.<\/p>\n\n\n\n<h4 class=\"wp-block-heading margin-top-15\"><strong>How to Use Your Inspection Report to Negotiate Repairs?<\/strong><\/h4>\n\n\n\n<p>Your negotiation strategy should center on issues that impact the home&#8217;s safety, structural integrity, and insurability. Minor cosmetic flaws are not worth fighting over and can make you seem unreasonable. \u200bIt&#8217;s easy to make this mistake as a first home buyer.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Safety Hazards:<\/strong> This includes outdated or unsafe electrical panels, faulty wiring, or missing safety features such as GFCI outlets near sinks, bathrooms, or outdoor areas, as required by US electrical codes.<\/li>\n\n\n\n<li><strong>Structural Problems:<\/strong> Issues with the foundation, load-bearing walls, framing, or roof structure that can affect the home\u2019s stability or safety.<\/li>\n\n\n\n<li><strong>System Failures:<\/strong> Problems like a malfunctioning HVAC system, major plumbing leaks, or an aging roof nearing the end of its lifespan, which are common red flags in US home inspections.<\/li>\n<\/ul>\n\n\n\n<p>Get 2 to 3 written estimates from licensed contractors for any major repairs. A repair request that includes professional quotes shows you are serious and have done your homework.\u200b<\/p>\n\n\n\n<h4 class=\"wp-block-heading margin-top-15\"><strong>Should You Ask for Repair Credit?<\/strong><\/h4>\n\n\n\n<p>While you can ask the seller to perform the repairs themselves, it&#8217;s better to ask for credit instead. Credit gives you the funds to hire your own contractors and ensures the work is done to your standards, not just the cheapest way possible.\u200b It also allows the sale to proceed on schedule, without any delays.<\/p>\n\n\n\n<h4 class=\"wp-block-heading margin-top-28\"><strong>How to Negotiate Seller Concessions<\/strong><\/h4>\n\n\n\n<p><a   style=\"font-size: revert;\" href=\"https:\/\/www.houzeo.com\/blog\/seller-concessions\/\" target=\"_blank\" rel=\"noreferrer noopener\">Seller concessions<\/a><span style=\"font-size: revert; color: initial;\"> are a powerful tool for reducing your out-of-pocket closing costs when buying real estate. Here, the seller pays for some of your expenses, such as the appraisal, title insurance, or property taxes.\u200b <\/span><\/p>\n\n\n\n<p>Your ability to negotiate concessions depends on your loan type. Each loan program sets a maximum limit on how much a seller can contribute:<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><thead><tr><th><strong>Loan Type<\/strong><\/th><th><strong>Minimum Down Payment<\/strong><\/th><th><strong>Maximum Seller Concession<\/strong><\/th><\/tr><\/thead><tbody><tr><td><strong>Conventional<\/strong><\/td><td>Less than 10%<\/td><td>3% of the purchase price<\/td><\/tr><tr><td><strong>Conventional<\/strong><\/td><td>10% or more<\/td><td>6% of the purchase price<\/td><\/tr><tr><td><strong>FHA Loan<\/strong><\/td><td>Any amount<\/td><td>6% of the purchase price<\/td><\/tr><tr><td><strong>VA Loan<\/strong><\/td><td>Any amount<\/td><td>4% of the purchase price<\/td><\/tr><tr><td><strong>USDA Loan<\/strong><\/td><td>Any amount<\/td><td>6% of the purchase price<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h3 class=\"wp-block-heading margin-top-28\" id=\"review-closing-costs\"><strong>Step 12: Review Your Closing Costs<\/strong><\/h3>\n\n\n\n<p>After negotiating repairs and credit as a first time home buyer, review all closing costs carefully. Check title fees, escrow, insurance, and taxes so you can finalize your budget and confidently buy your house.<\/p>\n\n\n\n<h4 class=\"wp-block-heading margin-top-15\">Understanding Closing Costs <\/h4>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Taxes and Government Fees ($1,000\u2013$2,000):<\/strong> Your closing costs will include local and state recording fees, transfer taxes, and possibly mortgage taxes. These costs vary widely by state and municipality. For example, some states charge a transfer tax based on the home\u2019s sale price, while others do not.<\/li>\n\n\n\n<li><strong>Title Fees ($1,500\u2013$2,500):<\/strong> These fees cover the title search, settlement services, and title insurance policies for both you and your lender. The <a   href=\"https:\/\/www.houzeo.com\/blog\/what-is-owners-title-insurance\/\" target=\"_blank\" rel=\"noreferrer noopener\">owner\u2019s title insurance<\/a> protects against ownership disputes or undiscovered liens. The buyer and seller typically negotiate who pays the owner\u2019s policy, depending on local customs.<\/li>\n\n\n\n<li><strong>Third-Party Fees ($1,000\u2013$1,500):<\/strong> This category includes the appraisal fee, credit report fee, and flood certification (if required). It also covers any inspections you order, such as general home, pest, or roof inspections.<\/li>\n\n\n\n<li><strong>Prepaid and Escrow Costs ($3,000\u2013$6,000):<\/strong> You\u2019ll usually prepay your first year of homeowners insurance and fund your <a   href=\"https:\/\/www.houzeo.com\/blog\/what-is-escrow\/\" target=\"_blank\" rel=\"noreferrer noopener\">escrow<\/a> account with several months of property tax and insurance payments to cover upcoming bills.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading margin-top-28\" id=\"do-you-need-a-realtor-to-buy-a-house\"><strong>Step 13: Close on Your New Home<\/strong><\/h3>\n\n\n\n<p>Closing day is the moment you officially become the owner of your new home. Its success depends on a careful final walk-through, a smooth funding process, and making sure all legal documents are properly signed and recorded.<\/p>\n\n\n\n<h4 class=\"wp-block-heading margin-top-15\"><strong>Complete Your Final Walk-Through<\/strong><\/h4>\n\n\n\n<p>Within 24 hours of closing, you will do one last walk-through of the property. This is not a formal inspection, but rather your final chance to see if you want this home. Use this checklist:\u200b<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Verify Repairs:<\/strong> Bring your inspection report and repair addendum. Confirm that all negotiated repairs have been completed to a professional standard.<\/li>\n\n\n\n<li><strong>Test Everything:<\/strong> Run the air conditioning and test all appliances. Make sure every system is functioning as it should.<\/li>\n\n\n\n<li><strong>Check for Included Items: <\/strong>Ensure all items that were supposed to be included in the sale, like appliances, window treatments, and light fixtures, are still in place.<\/li>\n\n\n\n<li><strong>Look for Signs of Additional Damage: <\/strong>Make sure no new damage has occurred since your last visit. If you see any issues, notify your agent and the title company immediately before you sign any documents.<\/li>\n<\/ul>\n\n\n\n<h4 class=\"wp-block-heading margin-top-15\"><strong>Sign the Documents<\/strong><\/h4>\n\n\n\n<p>While there are numerous documents to sign, the most important ones are\u200b:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>The Closing Disclosure:<\/strong> You will sign the final version of this document, which outlines all your loan terms and costs.<\/li>\n\n\n\n<li><strong>The Promissory Note: <\/strong>This is your legal promise to repay the loan. The <a   href=\"https:\/\/www.houzeo.com\/blog\/promissory-note\/\" target=\"_blank\" rel=\"noreferrer noopener\">promissory note<\/a> outlines the loan amount, interest rate, repayment schedule, and maturity date.<\/li>\n\n\n\n<li><strong>The Mortgage: <\/strong>This document secures the property as collateral for your loan.<\/li>\n<\/ul>\n\n\n\n<p>Once you have signed everything, you will provide your &#8220;cash to close&#8221; amount via a cashier&#8217;s check or wire transfer. After your lender sends their funds to the title company, the deal is officially funded.\u200b<\/p>\n\n\n\n<h4 class=\"wp-block-heading margin-top-15\"><strong>Get Your Keys and Celebrate<\/strong><\/h4>\n\n\n\n<p>Once the deal is funded, the title company will record the new deed with the county, officially transferring ownership to you. After they pay the seller and other parties, you will finally get the keys to your new home.\u200b<\/p>\n\n\n\n<p>Congratulations, you are officially a homeowner! \ud83c\udf89<\/p>\n\n\n\n<div style=\"height:10px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div class=\"wp-block-custom-accordion custom-accordion\">\n<div class=\"wp-block-custom-accordion-item accordion-item\"><button class=\"accordion-header\"><span class=\"accordion-title\">How do property taxes work when you buy a house in the US?<\/span><img decoding=\"async\" loading=\"lazy\" width=\"840px\" height=\"450px\" class=\"accordion-icon\" src=\"https:\/\/dtpwvruv8ddnl.cloudfront.net\/images\/flat-fee-mls\/faqArrow.svg\" alt=\"toggle\"\/><\/button><div class=\"accordion-content\">\n<p>When you buy a house in the US, property taxes work in three stages:<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>Taxes are prorated at closing: <\/strong>The seller pays for the portion of the year they owned the home, and you take over from the closing day forward.<\/li>\n\n\n\n<li><strong>Your lender will collect taxes through escrow: <\/strong>If you have a mortgage, part of your monthly payment goes into an escrow account to pay future tax bills.<\/li>\n\n\n\n<li><strong>You&#8217;ll receive your first tax bill later in the year: <\/strong>In the U.S., property taxes are set and collected at the local level, so billing schedules differ<\/li>\n<\/ol>\n<\/div><\/div>\n<\/div>\n\n\n\n<h2 class=\"wp-block-heading margin-top-28\" id=\"best-state-to-buy-a-house\"><strong>\ud83d\udea9 What are the Red Flags to Look for When Buying a House?<\/strong><\/h2>\n\n\n\n<p>A new home is a huge financial investment. To ensure that you don&#8217;t sink your money into a dud, look out for these red flags: <\/p>\n\n\n\n<h3 class=\"wp-block-heading margin-top-15\"><strong>1. Bargain-Priced Homes<\/strong><\/h3>\n\n\n\n<p>An asking price that&#8217;s significantly lower than comparable homes in the area seems like a dream come true. But that&#8217;s just until the roof collapses or faulty electrical systems burn the house down. <\/p>\n\n\n\n<p>An extremely low price could mean the property is uninsurable, or is located in a high-risk flood zone with steep insurance costs. So before you put in an offer, check the home&#8217;s sale history and other permits from the local county&#8217;s office. Also, get insurance quotes to understand your total expense better.<\/p>\n\n\n\n<h3 class=\"wp-block-heading margin-top-15\"><strong>2. Neighborhood Sell-Out<\/strong><\/h3>\n\n\n\n<p>During the open house, if you notice too many &#8220;For Sale&#8221; signs on a single street or in a small community, it should ring alarm bells. It could be due to skyrocketing HOA fees, declining school quality, or a recent increase in crime rates. It could also point to a future nuisance, like a commercial development planned nearby.<\/p>\n\n\n\n<p>Talk to potential neighbors to get their opinion on the area. You can also check community social media pages or online forums like <a   href=\"https:\/\/nextdoor.com\/\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">Nextdoor<\/a> for discussions about local issues.<\/p>\n\n\n\n<h3 class=\"wp-block-heading margin-top-15\"><strong>3. Foundation Cracks<\/strong><\/h3>\n\n\n\n<p>Foundations cracks can be devastating for the health of any home. They&#8217;re a major indications that you should not buy that house. You can find these cracks on a home&#8217;s exterior inside the home&#8217;s basement, or underneath its floors. These cracks mainly serve as the hideaway for vermin or mold. If left unchecked, they can cause a home to lean or tilt.<\/p>\n\n\n\n<h3 class=\"wp-block-heading margin-top-15\"><strong>4. Sloping or Uneven Floors<\/strong><\/h3>\n\n\n\n<p>Sloping or uneven floors are a common red flag in US homes. They often show that something is wrong under the surface. The cause could be foundation settling, water damage, rotting wood, or shifting soil.<\/p>\n\n\n\n<p>You may also notice doors that don\u2019t close right or cracks in walls\u2014these often come with floor problems. Repairs can be costly, so if you see floors that tilt, dip, or feel soft, get a professional inspection before making an offer. These repairs are extremely expensive, so always check for them before finalizing the deal.<\/p>\n\n\n\n<h3 class=\"wp-block-heading margin-top-15\"><strong>5<\/strong>. <strong>Condensation in Windows<\/strong><\/h3>\n\n\n\n<p>Foggy windows usually mean a loose seal. In worse cases, several windows may have the same issue. Not only does this look bad, but it also allows heated or cooled air to escape from your HVAC system, increasing your utility bills. Windows that are opened frequently, such as sliding windows, are more likely to experience seal damage and become foggy without regular maintenance.<\/p>\n\n\n\n<h2 class=\"wp-block-heading margin-top-28\"><strong>What Should You Do After Closing?<\/strong><\/h2>\n\n\n\n<p class=\"margin-top-15\">Welcome Home! Now that you\u2019ve moved in, take a few simple steps to protect your new home.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Check for Property Tax Savings:<\/strong><br>If this is your main home, see if your state offers a tax break for homeowners. Many states give a property tax exemption that can lower your yearly taxes.<\/li>\n\n\n\n<li><strong>Set Up Utilities:<\/strong><br>Turn on your water, electricity, gas, internet, and trash service. Depending on where you live, you might also want pest control or lawn care.<\/li>\n\n\n\n<li><strong>Get the Right Insurance:<\/strong><br>Most lenders require homeowners insurance. If your area has floods, wildfires, or earthquakes, you might need extra coverage. Ask your insurance agent what\u2019s best for your location.<\/li>\n\n\n\n<li><strong>Plan for Home Maintenance:<\/strong><br>Keep your home in good shape with regular care. Change air filters, clean gutters, check the roof, and schedule HVAC service every year. Fixing small problems early helps you avoid big costs later.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading margin-top-28\" id=\"how-to-buy-a-home-without-a-realtor\"><strong>How to Buy a House Without a Realtor?<\/strong><\/h2>\n\n\n\n<p>Research neighborhoods and browse listings on trusted sites like Houzeo. Then, schedule showings directly with sellers or their agents. You can also hire a real estate attorney to review contracts and handle legal details.<\/p>\n\n\n\n<p>Next, get pre-approved for a mortgage, make an offer, schedule inspections, and negotiate repairs. With the necessary due diligence, you can <a   href=\"https:\/\/www.houzeo.com\/blog\/buy-a-house-without-a-realtor\/\" target=\"_blank\" rel=\"noreferrer noopener\">buy a house without a Realtor<\/a>.<\/p>\n\n\n\n<h2 class=\"wp-block-heading margin-top-28\" id=\"how-to-buy-a-house-with-low-income\"><strong>Which First Time Home Buyer Programs Can You Apply For?<\/strong><\/h2>\n\n\n\n<p>Various programs make homeownership easy providing advice on how to buy a home for the first time . They assist with down payments through grants or low-interest, deferred-payment loans. Applicants must meet the income and credit score criteria and complete a <a   href=\"https:\/\/www.ehomeamerica.org\/homebuyers#homebuyereducation\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">homebuyer education course<\/a> to avail of these programs.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><thead><tr><th><strong>Program Name<\/strong><\/th><th><strong>Eligibility<\/strong><\/th><th><strong>Grants<\/strong><\/th><th><strong>Key Benefit<\/strong><\/th><\/tr><\/thead><tbody><tr><td><strong><a   href=\"#step-by-step-to-buy-a-house\">Good Neighbor Next Door (GNND)<\/a><\/strong><\/td><td>Law enforcement, firefighters, EMTs, PK\u201312 teachers<\/td><td>50% off the home price<\/td><td>Huge discount on HUD revitalization area homes<\/td><\/tr><tr><td><strong><a   href=\"#ways-to-buy-a-house\">HomePath ReadyBuyer<\/a><\/strong><\/td><td>First-time buyers who complete the online course<\/td><td>Up to 3% in closing cost help<\/td><td>Buy discounted Fannie Mae\u2013owned foreclosures<\/td><\/tr><tr><td><strong><a   href=\"#how-much-in-savings-to-buy-a-house\">Energy-Efficient Mortgage (EEM)<\/a><\/strong><\/td><td>Buyers making approved energy-efficiency upgrades<\/td><td>Finance improvements in the loan<\/td><td>Add upgrade costs without increasing your down payment<\/td><\/tr><tr><td><strong><a   href=\"#when-is-it-a-good-time-to-buy-a-house\">Native American Direct Loan (NADL)<\/a><\/strong><\/td><td>Eligible Native American veterans and spouses<\/td><td>0% down<\/td><td>No down payment + VA-backed benefits<\/td><\/tr><tr><td><strong><a   href=\"#HUD-Section-184-Loan\">HUD Section 184 Loan<\/a><\/strong><\/td><td>Eligible Native American homebuyers<\/td><td>2.25% down<\/td><td>Affordable loan designed for Native American borrowers<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h3 class=\"wp-block-heading margin-top-15\" id=\"step-by-step-to-buy-a-house\"><strong>1. Good Neighbor Next Door (GNND)<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Who can apply:<\/strong> Law enforcement officers, firefighters, EMTs, and PK\u201312 teachers<\/li>\n\n\n\n<li><strong>Credit score:<\/strong> No specific score; must meet FHA\/HUD guidelines<\/li>\n\n\n\n<li><strong>Help offered:<\/strong> 50% off the home price<\/li>\n<\/ul>\n\n\n\n<p>The <a   href=\"https:\/\/www.hud.gov\/program_offices\/housing\/sfh\/reo\/goodn\/gnndabot\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">Good Neighbor Next Door program<\/a> lets eligible community workers buy <a   href=\"https:\/\/www.huduser.gov\/portal\/home.html\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">HUD<\/a> homes in revitalization areas for 50% off. You must live in the home for at least three years. Properties can be found on HUD\u2019s website.<\/p>\n\n\n\n<h3 class=\"wp-block-heading margin-top-15\" id=\"ways-to-buy-a-house\"><strong>2. HomePath ReadyBuyer<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Who can apply:<\/strong> First-time buyers who complete the online course<\/li>\n\n\n\n<li><strong>Credit score:<\/strong> Standard mortgage requirements<\/li>\n\n\n\n<li><strong>Help offered:<\/strong> Up to 3% in closing cost assistance<\/li>\n<\/ul>\n\n\n\n<p><a   href=\"https:\/\/www.homepath.com\/ready_buyer.html\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">HomePath ReadyBuyer<\/a> gives first-time buyers up to 3% toward closing costs when buying a Fannie Mae\u2013owned foreclosed home. Completion of the HomePath education course is required before availing this assistance.<\/p>\n\n\n\n<h3 class=\"wp-block-heading margin-top-15\" id=\"how-much-in-savings-to-buy-a-house\"><strong>3. Energy-Efficient Mortgage (EEM)<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Who can apply:<\/strong> Buyers planning approved energy-saving upgrades<\/li>\n\n\n\n<li><strong>Credit score:<\/strong> Based on the main loan type (FHA, VA, or conventional)<\/li>\n\n\n\n<li><strong>Help offered:<\/strong> Energy improvements financed within the mortgage<\/li>\n<\/ul>\n\n\n\n<p>An <a   href=\"https:\/\/www.energystar.gov\/newhomes\/energy-efficient-mortgages\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">Energy-Efficient Mortgage<\/a> allows you to add the cost of energy upgrades\u2014like insulation, HVAC systems, or efficient windows\u2014into your main loan without increasing the down payment. A home energy assessment is required.<\/p>\n\n\n\n<h3 class=\"wp-block-heading margin-top-15\" id=\"when-is-it-a-good-time-to-buy-a-house\"><strong>4. Native American Direct Loan (NADL)<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Who can apply:<\/strong> Native American veterans and their spouses<\/li>\n\n\n\n<li><strong>Credit score:<\/strong> Flexible VA standards<\/li>\n\n\n\n<li><strong>Help offered:<\/strong> No down payment<\/li>\n<\/ul>\n\n\n\n<p>The <a   href=\"https:\/\/www.energystar.gov\/newhomes\/energy-efficient-mortgages\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">NADL<\/a> loans are VA-backed and help Native American veterans buy, build, or improve homes on federal trust land. Benefits include no down payment and low interest rates.<\/p>\n\n\n\n<h3 class=\"wp-block-heading margin-top-15\" id=\"HUD-Section-184-Loan\"><strong>5. HUD Section 184 Loan<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Who can apply:<\/strong> Eligible Native American and Alaska Native buyers<\/li>\n\n\n\n<li><strong>Credit score:<\/strong> Typically 620+<\/li>\n\n\n\n<li><strong>Help offered:<\/strong> Low 2.25% down payment<\/li>\n<\/ul>\n\n\n\n<p>Section 184 loans are designed for Native American borrowers. They offer low down payments, flexible credit rules, and are available in eligible tribal areas.<\/p>\n\n\n\n<p><strong>\u00bb <a   href=\"https:\/\/www.houzeo.com\/blog\/first-time-home-buyer-programs\/\" target=\"_blank\" rel=\"noreferrer noopener\">First Time Home Buyer Programs<\/a>:<\/strong> Find the perfect program that helps you get the key to your first home.<\/p>\n\n\n\n<h2 class=\"wp-block-heading margin-top-28\"><strong>What Should You Know Before Buying a House?<\/strong><\/h2>\n\n\n\n<p>Buying your first home is exciting, but it also comes with many details to think about. Before you make an offer, take time to understand the factors that can affect your budget and lifestyle. The price you see on a listing is just one part of the total cost. You\u2019ll also face extra expenses that come with owning and maintaining a home. Knowing about these early will help you plan better and avoid surprises later.<\/p>\n\n\n\n<h3 class=\"wp-block-heading margin-top-15\"><strong>What Are Some Additional Costs When Buying a House?<\/strong><\/h3>\n\n\n\n<p>Besides the purchase price, there are several other expenses that every homebuyer should prepare for. These extra costs can vary depending on where you live, the type of property, and the loan you choose.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Closing Costs:<\/strong> These typically range from <a   href=\"https:\/\/www.bankrate.com\/mortgages\/what-are-closing-costs\/\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">2%<\/a> to <a   href=\"https:\/\/www.bankrate.com\/mortgages\/what-are-closing-costs\/\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">5%<\/a> of your loan amount and cover fees for appraisals, title searches, and legal documents.<\/li>\n\n\n\n<li><strong>Property Taxes:<\/strong> The annual amount depends on your home\u2019s location and value. Some states have much higher property tax rates than others.<\/li>\n\n\n\n<li><strong>Homeowners Insurance:<\/strong> This protects your property and belongings from damage caused by fire, storms, or theft. Rates are higher in areas with more natural disasters, such as hurricanes or wildfires.<\/li>\n\n\n\n<li><strong>HOA Fees:<\/strong> If you buy a home in a community with shared amenities like pools or clubhouses, you\u2019ll likely have to pay monthly or annual homeowners association fees.<\/li>\n\n\n\n<li><strong>Maintenance and Repairs:<\/strong> Set aside a portion of your budget for routine upkeep, such as plumbing fixes, roof inspections, and lawn care.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading margin-top-15\"><strong>Do You Need Extra Insurance for Hurricanes, Wildfires, Earthquakes &amp; Floods in the US?<\/strong><\/h3>\n\n\n\n<h3 class=\"wp-block-heading margin-top-15\">1. <strong>Hurricanes<\/strong><\/h3>\n\n\n\n<p><strong>Common states:<\/strong> Florida, Texas, Louisiana, North Carolina, South Carolina, Georgia<br><strong>Risk level:<\/strong> High<br><strong>Insurance recommendation:<\/strong> Standard homeowners insurance may not cover hurricane wind damage. Many states require separate windstorm insurance or a hurricane deductible. Strongly recommended for anyone living near the coast.<\/p>\n\n\n\n<h3 class=\"wp-block-heading margin-top-15\">2. <strong>Floods<\/strong><\/h3>\n\n\n\n<p><strong>Common states:<\/strong> Florida, Texas, Louisiana, New Jersey, New York, parts of California<br><strong>Risk level:<\/strong> Moderate to high nationwide<br><strong>Insurance recommendation:<\/strong> Flood damage is not covered in a basic homeowners policy. Flood insurance is required in FEMA high-risk zones for federally backed mortgages. Recommended even in low-risk areas because floods happen everywhere.<\/p>\n\n\n\n<h3 class=\"wp-block-heading margin-top-15\">3. <strong>Wildfires<\/strong><\/h3>\n\n\n\n<p><strong>Common states:<\/strong> California, Colorado, Arizona, Oregon, Washington, New Mexico<br><strong>Risk level:<\/strong> Moderate to high<br><strong>Insurance recommendation:<\/strong> Most homeowners policies cover wildfire damage. But in high-risk areas (especially California), coverage can be limited. Extra fire insurance or a state FAIR Plan may be needed.<\/p>\n\n\n\n<h3 class=\"wp-block-heading margin-top-15\">4. <strong>Earthquakes<\/strong><\/h3>\n\n\n\n<p><strong>Common states:<\/strong> California, Alaska, Washington, Oregon, Utah<br><strong>Risk level:<\/strong> High along the West Coast<br><strong>Insurance recommendation:<\/strong> Earthquake damage is not included in a standard policy. You need separate earthquake insurance or state-backed coverage like the<a   href=\"https:\/\/www.earthquakeauthority.com\/\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">California Earthquake Authority<\/a>(CEA).<\/p>\n\n\n\n<div class=\"wp-block-houzeo-grey-text blue-box-content-list\">\ud83d\udc49 <strong>Pro Tip<\/strong>: Flood maps change over time. You can check your property&#8217;s official flood zone using the <a   href=\"https:\/\/msc.fema.gov\/portal\/home\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">FEMA Flood Map Service Center<\/a>.<\/div>\n\n\n\n<h2 class=\"wp-block-heading margin-top-25\" id=\"buy-a-house-near-you\"><strong>How to Buy a House Near Me<\/strong><\/h2>\n\n\n<div id=\"footable_parent_134265\"\n         class=\" footable_parent ninja_table_wrapper loading_ninja_table wp_table_data_press_parent semantic_ui \">\n                <table data-ninja_table_instance=\"ninja_table_instance_0\" data-footable_id=\"134265\" data-filter-delay=\"1000\" aria-label=\"How to Buy a House - Pillar\"            id=\"footable_134265\"\n           data-unique_identifier=\"ninja_table_unique_id_224535952_134265\"\n           class=\" foo-table ninja_footable foo_table_134265 ninja_table_unique_id_224535952_134265 ui table  nt_type_legacy_table celled vertical_centered  footable-paging-right ninja_table_search_disabled ninja_table_pro\">\n                <colgroup>\n                            <col class=\"ninja_column_0 \">\n                            <col class=\"ninja_column_1 \">\n                            <col class=\"ninja_column_2 \">\n                    <\/colgroup>\n        <thead>\n<tr class=\"footable-header\">\n                                                        <th scope=\"col\"  class=\"ninja_column_0 ninja_clmn_nm_region \">Region<\/th><th scope=\"col\"  class=\"ninja_column_1 ninja_clmn_nm_full_service_agents \">States\/Cities<\/th><th scope=\"col\"  class=\"ninja_column_2 ninja_clmn_nm_states \">How to Buy a House Near Me<\/th><\/tr>\n<\/thead>\n<tbody>\n\n        <tr data-row_id=\"6888\" class=\"ninja_table_row_0 nt_row_id_6888\">\n            <td><b>Northeast<\/b><\/td><td><b>States<\/b><\/td><td><a href=\"https:\/\/www.houzeo.com\/blog\/how-to-buy-a-house-in-connecticut\/\" target=\"_blank\">Connecticut <\/a> | <a href=\"https:\/\/www.houzeo.com\/blog\/how-to-buy-a-house-in-maine\/\" target=\"_blank\">Maine<\/a> | <a href=\"https:\/\/www.houzeo.com\/blog\/how-to-buy-a-house-in-massachusetts\/\" target=\"_blank\">Massachusetts<\/a> | <a href=\"https:\/\/www.houzeo.com\/blog\/how-to-buy-a-house-in-new-hampshire\/\" target=\"_blank\">New Hampshire<\/a> | <a href=\"https:\/\/www.houzeo.com\/blog\/how-to-buy-a-house-in-new-jersey\/\" target=\"_blank\">New Jersey<\/a> | <a href=\"https:\/\/www.houzeo.com\/blog\/how-to-buy-a-house-in-new-york\/\" target=\"_blank\">New York<\/a> | <a href=\"https:\/\/www.houzeo.com\/blog\/how-to-buy-a-house-in-pennsylvania\/\" target=\"_blank\">Pennsylvania<\/a> | <a href=\"https:\/\/www.houzeo.com\/blog\/how-to-buy-a-house-in-rhode-island\/\" target=\"_blank\">Rhode Island<\/a> | <a href=\"https:\/\/www.houzeo.com\/blog\/how-to-buy-a-house-in-vermont\/\" target=\"_blank\">Vermont <\/a><\/td>        <\/tr>\n            <tr data-row_id=\"6890\" class=\"ninja_table_row_1 nt_row_id_6890\">\n            <td><b>Northeast<\/b><\/td><td><b>Key Cities<\/b><\/td><td><a href=\"https:\/\/www.houzeo.com\/blog\/how-to-buy-a-house-in-boston-ma\/\" target=\"_blank\">Boston, MA <\/a> | <a href=\"https:\/\/www.houzeo.com\/blog\/how-to-buy-a-house-in-brooklyn-ny\/\" target=\"_blank\">Brooklyn, NY <\/a> | <a href=\"https:\/\/www.houzeo.com\/blog\/how-to-buy-a-house-in-long-island-ny\/\" target=\"_blank\">Long Island, NY <\/a> | <a href=\"https:\/\/www.houzeo.com\/blog\/how-to-buy-a-house-in-philadelphia-pa\/\" target=\"_blank\">Philadelphia, PA <\/a> | <a href=\"https:\/\/www.houzeo.com\/blog\/how-to-buy-a-house-in-pittsburgh-pa\/\" target=\"_blank\">Pittsburgh, PA <\/a><\/td>        <\/tr>\n            <tr data-row_id=\"6893\" class=\"ninja_table_row_2 nt_row_id_6893\">\n            <td><b>Midwest<\/b><\/td><td><b>States<\/b><\/td><td><a href=\"https:\/\/www.houzeo.com\/blog\/how-to-buy-a-house-in-illinois\/\" target=\"_blank\">Illinois<\/a> | <a href=\"https:\/\/www.houzeo.com\/blog\/how-to-buy-a-house-in-indiana\/\" target=\"_blank\">Indiana<\/a> | <a href=\"https:\/\/www.houzeo.com\/blog\/how-to-buy-a-house-in-iowa\/\" target=\"_blank\">Iowa<\/a> | <a href=\"https:\/\/www.houzeo.com\/blog\/how-to-buy-a-house-in-kansas\/\" target=\"_blank\">Kansas<\/a> | <a href=\"https:\/\/www.houzeo.com\/blog\/how-to-buy-a-house-in-michigan\/\" target=\"_blank\">Michigan<\/a> | <a href=\"https:\/\/www.houzeo.com\/blog\/how-to-buy-a-house-in-minnesota\/\" target=\"_blank\">Minnesota<\/a> | <a href=\"https:\/\/www.houzeo.com\/blog\/how-to-buy-a-house-in-missouri\/\" target=\"_blank\">Missouri<\/a> | <a href=\"https:\/\/www.houzeo.com\/blog\/how-to-buy-a-house-in-nebraska\/\" target=\"_blank\">Nebraska<\/a> | <a href=\"https:\/\/www.houzeo.com\/blog\/how-to-buy-a-house-in-north-dakota\/\" target=\"_blank\">North Dakota<\/a> | <a href=\"https:\/\/www.houzeo.com\/blog\/how-to-buy-a-house-in-ohio\/\" target=\"_blank\">Ohio<\/a> | <a href=\"https:\/\/www.houzeo.com\/blog\/how-to-buy-a-house-in-south-dakota\/\" target=\"_blank\">South Dakota<\/a> | <a href=\"https:\/\/www.houzeo.com\/blog\/how-to-buy-a-house-in-wisconsin\/\" target=\"_blank\">Wisconsin<\/a><\/td>        <\/tr>\n            <tr data-row_id=\"6887\" class=\"ninja_table_row_3 nt_row_id_6887\">\n            <td><b>Midwest<\/b><\/td><td><b>Key Cities<\/b><\/td><td><a href=\"https:\/\/www.houzeo.com\/blog\/how-to-buy-a-house-in-chicago-il\/\" target=\"_blank\">Chicago, IL <\/a> | <a href=\"https:\/\/www.houzeo.com\/blog\/how-to-buy-a-house-in-detroit-mi\/\" target=\"_blank\">Detroit, MI <\/a> | <a href=\"https:\/\/www.houzeo.com\/blog\/how-to-buy-a-house-in-mancelona-mi\/\" target=\"_blank\">Mancelona, MI <\/a><\/td>        <\/tr>\n            <tr data-row_id=\"6892\" class=\"ninja_table_row_4 nt_row_id_6892\">\n            <td><b>South<\/b><\/td><td><b>States<\/b><\/td><td><a href=\"https:\/\/www.houzeo.com\/blog\/how-to-buy-a-house-in-alabama\/\" target=\"_blank\">Alabama<\/a> | <a href=\"https:\/\/www.houzeo.com\/blog\/how-to-buy-a-house-in-arkansas\/\" target=\"_blank\">Arkansas<\/a> | <a href=\"https:\/\/www.houzeo.com\/blog\/how-to-buy-a-house-in-delaware\/\" target=\"_blank\">Delaware<\/a> | <a href=\"https:\/\/www.houzeo.com\/blog\/how-to-buy-a-house-in-florida\/\" target=\"_blank\">Florida<\/a> | <a href=\"https:\/\/www.houzeo.com\/blog\/how-to-buy-a-house-in-georgia\/\" target=\"_blank\">Georgia<\/a> | <a href=\"https:\/\/www.houzeo.com\/blog\/how-to-buy-a-house-in-kentucky\/\" target=\"_blank\">Kentucky<\/a> | <a href=\"https:\/\/www.houzeo.com\/blog\/how-to-buy-a-house-in-louisiana\/\" target=\"_blank\">Louisiana<\/a> | <a href=\"https:\/\/www.houzeo.com\/blog\/how-to-buy-a-house-in-maryland\/\" target=\"_blank\">Maryland<\/a> | <a href=\"https:\/\/www.houzeo.com\/blog\/how-to-buy-a-house-in-mississippi\/\" target=\"_blank\">Mississippi<\/a> | <a href=\"https:\/\/www.houzeo.com\/blog\/how-to-buy-a-house-in-north-carolina\/\" target=\"_blank\">North Carolina<\/a> | <a href=\"https:\/\/www.houzeo.com\/blog\/how-to-buy-a-house-in-oklahoma\/\" target=\"_blank\">Oklahoma<\/a> | <a href=\"https:\/\/www.houzeo.com\/blog\/how-to-buy-a-house-in-south-carolina\/\" target=\"_blank\">South Carolina<\/a> | <a href=\"https:\/\/www.houzeo.com\/blog\/how-to-buy-a-house-in-tennessee\/\" target=\"_blank\">Tennessee<\/a> | <a href=\"https:\/\/www.houzeo.com\/blog\/how-to-buy-a-house-in-texas\/\" target=\"_blank\">Texas<\/a> | <a href=\"https:\/\/www.houzeo.com\/blog\/how-to-buy-a-house-in-virginia\/\" target=\"_blank\"Virginia <\/a>| <a href=\"https:\/\/www.houzeo.com\/blog\/how-to-buy-a-house-in-washington-dc\/\" target=\"_blank\">Washington, D.C<\/a> | <a href=\"https:\/\/www.houzeo.com\/blog\/how-to-buy-a-house-in-west-virginia\/\" target=\"_blank\">West Virginia<\/a><\/td>        <\/tr>\n            <tr data-row_id=\"6889\" class=\"ninja_table_row_5 nt_row_id_6889\">\n            <td><b>South<\/b><\/td><td><b>Key Cities<\/b><\/td><td><a href=\"https:\/\/www.houzeo.com\/blog\/how-to-buy-a-house-in-miami-fl\/\" target=\"_blank\">Miami, FL <\/a> | <a href=\"https:\/\/www.houzeo.com\/blog\/how-to-buy-a-house-in-orlando-fl\/\" target=\"_blank\">Orlando, FL <\/a> | <a href=\"https:\/\/www.houzeo.com\/blog\/how-to-buy-a-house-in-tampa-fl\/\" target=\"_blank\">Tampa, FL <\/a> |<a href=\"https:\/\/www.houzeo.com\/blog\/how-to-buy-a-house-in-baltimore-md\/\" target=\"_blank\">Baltimore, MD <\/a> | <a href=\"https:\/\/www.houzeo.com\/blog\/how-to-buy-a-house-in-charlotte-nc\/\" target=\"_blank\">Charlotte, NC <\/a>| <a href=\"https:\/\/www.houzeo.com\/blog\/how-to-buy-a-house-in-nashville-tn\/\" target=\"_blank\">Nashville, TN <\/a> | <a href=\"https:\/\/www.houzeo.com\/blog\/how-to-buy-a-house-in-austin-tx\/\" target=\"_blank\">Austin, TX <\/a> | <a href=\"https:\/\/www.houzeo.com\/blog\/how-to-buy-a-house-in-dallas-tx\/\" target=\"_blank\">Dallas, TX <\/a> | <a href=\"https:\/\/www.houzeo.com\/blog\/how-to-buy-a-house-in-houston-tx\/\" target=\"_blank\">Houston, TX <\/a> | <\/td>        <\/tr>\n            <tr data-row_id=\"6894\" class=\"ninja_table_row_6 nt_row_id_6894\">\n            <td><b>West<\/b><\/td><td><b>States<\/b><\/td><td><a href=\"https:\/\/www.houzeo.com\/blog\/how-to-buy-a-house-in-alaska\/\" target=\"_blank\">Alaska<\/a>| <a href=\"https:\/\/www.houzeo.com\/blog\/how-to-buy-a-house-in-arizona\/\" target=\"_blank\">Arizona<\/a> | <a href=\"https:\/\/www.houzeo.com\/blog\/how-to-buy-a-house-in-california\/\" target=\"_blank\">California<\/a> | <a href=\"https:\/\/www.houzeo.com\/blog\/how-to-buy-a-house-in-colorado\/\" target=\"_blank\">Colorado<\/a>| <a href=\"https:\/\/www.houzeo.com\/blog\/how-to-buy-a-house-in-hawaii\/\" target=\"_blank\">Hawaii<\/a> | <a href=\"https:\/\/www.houzeo.com\/blog\/how-to-buy-a-house-in-idaho\/\" target=\"_blank\">Idaho<\/a> | <a href=\"https:\/\/www.houzeo.com\/blog\/how-to-buy-a-house-in-montana\/\" target=\"_blank\">Montana<\/a> | <a href=\"https:\/\/www.houzeo.com\/blog\/how-to-buy-a-house-in-nevada\/\" target=\"_blank\">Nevada<\/a> | <a href=\"https:\/\/www.houzeo.com\/blog\/how-to-buy-a-house-in-new-mexico\/\" target=\"_blank\">New Mexico<\/a> | <a href=\"https:\/\/www.houzeo.com\/blog\/how-to-buy-a-house-in-oregon\/\" target=\"_blank\">Oregon<\/a> | <a href=\"https:\/\/www.houzeo.com\/blog\/how-to-buy-a-house-in-utah\/\" target=\"_blank\">Utah<\/a> | <a href=\"https:\/\/www.houzeo.com\/blog\/how-to-buy-a-house-in-washington\/\" target=\"_blank\">Washington<\/a> | <a href=\"https:\/\/www.houzeo.com\/blog\/how-to-buy-a-house-in-wyoming\/\" target=\"_blank\">Wyoming<\/a><\/td>        <\/tr>\n            <tr data-row_id=\"6891\" class=\"ninja_table_row_7 nt_row_id_6891\">\n            <td><b>West<\/b><\/td><td><b>Key Cities<\/b><\/td><td><a href=\"https:\/\/www.houzeo.com\/blog\/how-to-buy-a-house-in-phoenix-az\/\" target=\"_blank\">Phoenix, AZ<\/a> | <a href=\"https:\/\/www.houzeo.com\/blog\/how-to-buy-a-house-in-beverly-hills-ca\/\" target=\"_blank\">Beverly Hills, CA<\/a> | <a href=\"https:\/\/www.houzeo.com\/blog\/how-to-buy-a-house-in-orange-county-ca\/\" target=\"_blank\">Orange County, CA<\/a> | <a href=\"https:\/\/www.houzeo.com\/blog\/how-to-buy-a-house-in-sacramento-ca\/\" target=\"_blank\">Sacramento, CA<\/a> | <a href=\"https:\/\/www.houzeo.com\/blog\/how-to-buy-a-house-in-denver-co\/\" target=\"_blank\">Denver, CO<\/a> |<a href=\"https:\/\/www.houzeo.com\/blog\/how-to-buy-a-house-in-portland-or\/\" target=\"_blank\">Portland, OR<\/a> <\/td>        <\/tr>\n    <\/tbody><!--ninja_tobody_rendering_done-->\n    <\/table>\n    \n    \n    \n<\/div>\n\n\n\n\n<h2 class=\"wp-block-heading margin-top-28\"><strong>Why First-Time Homebuyers Should Explore Now?<\/strong><\/h2>\n\n\n\n<p>From bustling cities with strong job growth to peaceful small towns with affordable housing, there\u2019s a community for every budget. With thousands of <a   href=\"https:\/\/www.houzeo.com\/homes-for-sale\" target=\"_blank\" rel=\"noreferrer noopener\">homes for sale<\/a> nationwide and many down payment assistance programs, buying your first home in the US is now more achievable than ever.<\/p>\n\n\n\t<div  class=\"hfsWidget \" data-widget-title=\"Find your dream home \ud83c\udfe0\" data-widget-list-item1=\"1st item\" data-widget-list-item2=\"2nd item\" data-widget-list-item3=\"3rd item\" data-widget-type=\"buyer1\" data-widget-vendor-type=\"inspector\" data-widget-state=\"us\" data-widget-city=\"\" data-widget-redirect-url=\"https:\/\/www.houzeo.com\/homes-for-sale\" data-widget-redirect-text=\"Homes for sale\" data-widget-button-url=\"https:\/\/www.houzeo.com\" data-widget-button-text=\"\" data-widget-min-price=\"0\" data-widget-max-price=\"0\" data-widget-min-area=\"0\" data-widget-max-area=\"0\" data-widget-sidebar=\"false\">\n        <div class=\"widgetMainBox mainBox456\">\n        <div class=\"widgetBox widgetBox3 buyer-one\">\n            <div class=\"widgetTop\" style=\"display: flex;\">\n                <div class=\"widgetTopcont\">\n                    <div class=\"homePageQuickListing -page homepage widgetInBox3 hfs_new_design_widget\">\n                      <div class=\"HeaderTopSidebar\"> \n                        <p class=\"headerStyle\">Find your dream home \ud83c\udfe0<\/p>\n                                                                         <div class=\"widgetList skeleton skeleton-text\">\n                            <p>View 1,612,592 homes for sale in <span\n                            class=\"propertyStateSpan\">US<\/span><\/p>                            \n                        <\/div>\n                                                                      <\/div>  \n                        <div class=\"verifyFieldForm addInput\">\n                            <div class=\"inputSearchBox\">\n                                <div class=\"inputBoxElement addressBar\">\n                                    <input type=\"text\" name=\"ITBTtRE\" id=\"buyerAutocomplete\"\n                                        placeholder=\"Enter an address, city, neighborhood, or ZIP\"\n                                        class=\"pac-target-input buyerAutocomplete\" autocomplete=\"off\">\n                                <\/div>\n                                <span class=\"errorStreetMsg errorMsg\">Please enter valid address<\/span>\n                            <\/div>\n                            \n                            <div class=\"inputSubmitBox\">\n                                                                <button id=\"buyerBtnBox456\" class=\"continueCta storeAddress next_btn buyerBtnBox\">Search\n                                    <span class=\"arrowContinue\"><\/span><\/button>\n                            <\/div>\n                        \n                        <\/div>\n                    <\/div>\n                <\/div>\n            <\/div>\n            <div class=\"widgetInsideBox\">\n                <div class=\"widgetPropertyBoxNew\" id=\"propertyContainer\">\n                <div class=\"widgetPropertyInnerBox\">   \n                 \t\t\t\t\t\t   <div class=\"widgetPropColumnNew halfWidthCard\">\n\t\t\t\t\t\t\t  <a href=\"https:\/\/www.houzeo.com\/homes\/2012-n-park-rd-spokane-valley-wa-99212\/hzid_ba366212\" class=\"widgetAnchorColumnLink\" target=\"_blank\" >\n\t\t\t\t\t\t\t\t   <div class=\"widgetImageBox\">\n\t\t\t\t\t\t\t\t\t   <img decoding=\"async\" src=\"https:\/\/cdn.houzeo.com\/idx\/media\/19\/SPOMSAR202612174\/2_SAR6528756_00b8ccaa32_dim_640X450.webp\" alt=\"\" onerror=\"this.src='https:\/\/dtpwvruv8ddnl.cloudfront.net\/seller\/listing\/uploads\/listing_images\/thumbnails\/empty-property.jpg';\">\n\t\t\t\t\t\t\t\t\t   \t\t\t\t\t\t\t\t\t\t\t\t   <img decoding=\"async\" src=\"https:\/\/cdn.houzeo.com\/images\/idx\/spokane-mls-new-xs-logo.webp\" alt=\"logo\" class=\"insideWidgetLogo\">\n\t\t\t\t\t\t\t\t\t\t\t\t   \t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t   <div class=\"widgetTextBox\" >\n\t\t\t\t\t\t\t\t\t   <p class=\"priceText\">$970,000<\/p>\n\t\t\t\t\t\t\t\t\t   <span class=\"addressText\">\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t2012 n park rd, <br\/>spokane valley, WA 99212\t\t\t\t\t\t\t\t\t<span class=\"suummarize-info grey-img\">\n\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/dtpwvruv8ddnl.cloudfront.net\/images\/blog\/blog-info-gray.svg\" alt=\"\">\n\t\t\t\t\t\t\t\t\t\t <span class=\"voult-tooltip-box\">\n\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"info-wrap\">\n\t\t\t\t\t\t\t\t\t\t\t\t<p class=\"fz-12\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\tListing Provided by:  LT Real Estate <br>\t\t\t\t\t\t\t\t\t\t\t\t\tSource: Spokane MLS-WA | MLS#: 202612174<\/p>\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t   <\/div>\n\t\t\t\t\t\t\t   <\/a>\n\t\t\t\t\t\t   <\/div>\n\t\t\t\t\t\t   \t\t\t\t\t\t   <div class=\"widgetPropColumnNew halfWidthCard\">\n\t\t\t\t\t\t\t  <a href=\"https:\/\/www.houzeo.com\/homes\/97-liberty-st-thompson-ny-12701\/hzid_e05d62bb\" class=\"widgetAnchorColumnLink\" target=\"_blank\" >\n\t\t\t\t\t\t\t\t   <div class=\"widgetImageBox\">\n\t\t\t\t\t\t\t\t\t   <img decoding=\"async\" src=\"https:\/\/d1i6r5w646k4dq.cloudfront.net\/images\/KEY424343462\/07f0aaae-4e2f-417d-8db9-4bb99cbae363.jpeg\" alt=\"\" onerror=\"this.src='https:\/\/dtpwvruv8ddnl.cloudfront.net\/seller\/listing\/uploads\/listing_images\/thumbnails\/empty-property.jpg';\">\n\t\t\t\t\t\t\t\t\t   \t\t\t\t\t\t\t\t\t\t\t\t   <img decoding=\"async\" src=\"https:\/\/dtpwvruv8ddnl.cloudfront.net\/images\/idx\/one-key-mls-logo-xs.webp\" alt=\"logo\" class=\"insideWidgetLogo\">\n\t\t\t\t\t\t\t\t\t\t\t\t   \t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t   <div class=\"widgetTextBox\" >\n\t\t\t\t\t\t\t\t\t   <p class=\"priceText\">$599,900<\/p>\n\t\t\t\t\t\t\t\t\t   <span class=\"addressText\">\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t97 liberty st, <br\/>thompson, NY 12701\t\t\t\t\t\t\t\t\t<span class=\"suummarize-info grey-img\">\n\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/dtpwvruv8ddnl.cloudfront.net\/images\/blog\/blog-info-gray.svg\" alt=\"\">\n\t\t\t\t\t\t\t\t\t\t <span class=\"voult-tooltip-box\">\n\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"info-wrap\">\n\t\t\t\t\t\t\t\t\t\t\t\t<p class=\"fz-12\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\tListing Provided by: Brian J Caplicki | Keller Williams Hudson Valley <br>\t\t\t\t\t\t\t\t\t\t\t\t\tSource: OneKey MLS-NY | MLS#: 984174<\/p>\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t   <\/div>\n\t\t\t\t\t\t\t   <\/a>\n\t\t\t\t\t\t   <\/div>\n\t\t\t\t\t\t                        <div class=\"widgetPropColumnNew fullWidthCard \">\n\t\t\t\t\t\t<a href=\"https:\/\/www.houzeo.com\/homes-for-sale\" class=\"widgetanctextfind widgetancTextForAll\" target=\"_blank\">Homes for sale<span><img decoding=\"async\" src=\"https:\/\/houzeo-media-1.s3.amazonaws.com\/homes-for-sale\/blue-arrow.svg\" alt=\"arrow\" width=\"11\" height=\"10\"><\/span> \n\t\t\t\t\t\t<\/a>\n\t\t\t\t\t<\/div>\n                   <\/div>   \n               \n                <\/div>\n            <\/div>\n        <\/div>\n    <\/div>\n       \n    <\/div>\n\t<script>\n    document.addEventListener(\"DOMContentLoaded\", function() {        \n        if (!window.assetsLoaded) {\n            window.assetsLoaded = true;\n            var version = (typeof customData !== 'undefined' && customData.customVersion) ? customData.customVersion : '1.0';\n            loadScript('\/blog\/wp-content\/themes\/houzeo-new-design\/js\/hfs-widget.js?version=' + version);\n            loadCSS('\/blog\/wp-content\/themes\/houzeo-new-design\/css\/hfs-widget.css?version=' + version);\n        }    \n    });\n\t\t\n\t<\/script>\n\t\n\n\n\n<p>\u00bb&nbsp;<strong><a   href=\"https:\/\/www.realestatequeen.com\/houzeo-reviews\/\" target=\"_blank\" rel=\"noreferrer noopener\">Houzeo Reviews<\/a>:<\/strong>&nbsp;Read what customers have to say about Houzeo, America&#8217;s best home buying website.<\/p>\n","protected":false},"excerpt":{"rendered":"<div class=\"new-excerpt\"><p class=\"small-desc\">Discover a simplified step-by-step process on how to buy a house in 2025. Our home buying guide will help you navigate the buying process with...<\/p><\/div><div class=\"reading_date\"><span class=\"readtime\">34 mins read<\/span><span class=\"date\">Jun 05, 2026<\/span><\/div>","protected":false},"author":257,"featured_media":580460,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[46225,46246],"tags":[32971,44018,44017,42900,44016],"class_list":["post-130555","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-buyer","category-how-to-buy-a-house","tag-how-do-you-buy-a-house","tag-how-to-buy-a-house-for-the-first-time","tag-process-of-buying-a-house","tag-step-by-step-buying-a-house","tag-steps-in-buying-a-house"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.6 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>First Time Home Buyer: Step-by-Step Complete 2026 Guide<\/title>\n<meta name=\"description\" content=\"As a first-time home buyer, follow these steps for success: 1. 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