How to Buy a House

A step-by-step guide to the homebuying process

Last updated February 27, 2026

Table of Contents

Step 1: Check Your Finances

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Step 2: Get Pre-Approved

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Step 3: Find a Real Estate Agent

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Step 4: Start House Hunting

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Step 5: Make an Offer

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Step 6: Close on Your Home

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$350,000
20% ($70,000)
6.500%

Estimated Monthly Payment

$1,770

Principal & Interest Only

Loan Amount$280,000
Total Interest$357,125
Total Cost$637,125
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Frequently Asked Questions

How long does it take to buy a house?

The typical homebuying process takes 30-60 days from accepted offer to closing, though the entire journey from initial search to move-in can take several months.

What documents do I need to buy a house?

You'll typically need pay stubs, W-2s, tax returns, bank statements, identification, and proof of assets. Self-employed buyers may need additional documentation.

Should I get pre-approved before house hunting?

Yes. Pre-approval strengthens your offer, helps you understand your budget, and shows sellers you're a serious buyer.

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