Buying your first home has a lot of moving parts, and missing one can cost time or money. This checklist takes you from saving the down payment all the way to closing day, in the order things actually happen.
What it covers
- How much to save for the down payment and closing costs
- Checking and improving your credit score before you apply
- Getting pre-approved and understanding what you can truly afford
- The home search, offer, inspection, and appraisal steps
- What to review before you sign at closing
How to use it
- Copy the checklist from the link below.
- Start months ahead on the credit and savings items.
- Get pre-approved before you shop so you know your real budget.
- Tick off each step as you go so nothing slips.
Budget beyond the down payment
Closing costs, moving, and immediate repairs often surprise first-time buyers. Plan for them alongside the down payment so the keys do not come with an empty bank account. The checklist breaks these out so they are part of the plan, not an afterthought.