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Home Buying
Buying a home is the biggest financial move most people ever make, and the process rewards preparation. This hub walks you through getting pre-approved, understanding down payment assistance, making a strong offer, and everything that happens on the way to closing day. Start here if you are planning your first purchase or your next one.
All Home Buying articles & guides
How Can You Buy a House With No Money Down?
Two true zero-down loans exist: VA for veterans and military, and USDA for eligible rural and suburban homes. A few other paths get you close.
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How Mortgage Pre-Approval Works
Pre-approval is a lender's verified assessment of how much you can borrow, based on a credit pull and documentation of your income and assets. A pre-approval letter is usually issued within 24 to 48 hours of submitting complete documents.
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Closing Costs: What to Actually Expect
Closing costs typically run 2% to 5% of the home purchase price, covering lender fees, third-party services, prepaid items, and escrow setup. On a $400,000 home, that is roughly $8,000 to $20,000.
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FHA Loans Plus a Down Payment Grant: How Little You Can Actually Bring to Closing
Combining an FHA loan with a down payment assistance grant can reduce what you bring to closing to as little as 0% to 1% of the purchase price, nationwide, not just in select states.
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How the Home Buying Process Works, Start to Finish
The home buying process has four stages: pre-approval, house hunting and making an offer, processing and underwriting, and closing.
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Down Payment Assistance Programs by State
Most states offer some form of down payment assistance, and many buyers qualify without realizing it.
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