Beyond the down payment, remember to set aside funds for closing costs (typically 2%–5% of the home price) and an immediate maintenance buffer for repairs or move-in essentials. 2. Hire Your "Dream Team"

The Ultimate "Before You Buy" Survival Guide: 5 Steps to Your Dream Home

Don't wait until you find a "must-have" property to see if you can actually afford it.

Pre-qualification is just a ballpark estimate; a pre-approval letter shows sellers you are a serious, verified buyer with a lender's backing.