{"id":16040,"date":"2025-08-08T08:10:51","date_gmt":"2025-08-08T13:10:51","guid":{"rendered":"https:\/\/listwithclever.com\/how-to-buy-house\/"},"modified":"2026-04-17T07:46:59","modified_gmt":"2026-04-17T12:46:59","slug":"how-to-buy-house","status":"publish","type":"post","link":"https:\/\/listwithclever.com\/real-estate-blog\/how-to-buy-house\/","title":{"rendered":"How to Buy a House in 2026: A 10-Step Guide"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Buying a home can be daunting. In our recent survey of 1,000 homeowners, we found that 48% said they had to make financial compromises when purchasing their home, and 72% said they had regrets about their home-buying experience.<span class=\"citation-number\" data-tippy-content=\"Best Interest Financial \u2013 &lt;a target=&quot;_blank&quot; rel=&quot;noopener noreferrer nofollow&quot; href=&quot;https:\/\/bestinterest.com\/research\/how-much-does-it-cost-to-buy-a-house\/&quot;&gt;&quot;2026 Data: Buying a Home Costs $32,000 in Extra Costs Beyond the Down Payment&quot;&lt;\/a&gt; Updated March 16, 2026.&lt;br&gt;&lt;br&gt;&lt;a class=&quot;view-all-sources-link&quot; href=&quot;#article-sources&quot;&gt;View All Sources&lt;\/a&gt;\">[1]<\/span><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">To help you prepare and save money, we\u2019ve put together this 10-step guide to buying a house. You can also <a href=\"https:\/\/listwithclever.com\/real-estate-blog\/home-buying-checklist\/\" target=\"_blank\" rel=\"noreferrer noopener\">follow this home buying checklist<\/a> to make sure you don't miss anything. These steps, along with the help of an expert realtor, can give you the confidence you need to secure a good deal \u2014 even if you're buying a home for the first time. It\u2019s also a good idea to to think about <a href=\"https:\/\/listwithclever.com\/real-estate-blog\/questions-to-ask-when-buying-a-house\/\" target=\"_blank\" rel=\"noreferrer noopener\">some key questions<\/a> to ask your agent during your search.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A buyer's agent can help you choose a lender and get <a href=\"#pre-approval\">pre-approved for a mortgage<\/a> before you start your search. This lets you set a budget and shows buyers you're a serious buyer.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\ud83d\udd0e Start the search: <\/strong><a href=\"#startmsf\" rel=\"nofollow\">Get matched with top buyer\u2019s agents near you and get cash back on your purchase.<\/a><\/p>\n\n\n<!--blockstudio\/acf\/content-drawer-->    <div class=\"drawers-wrapper\">\n            <div class=\"drawer-panel\">\n            <h3>\n              <button class=\"drawer-trigger\">\ud83d\udccd Find your state for specific guidance<\/button>\n            <\/h3>\n            <div class=\"drawer-content\">\n              <div>\n                <p><p><span style=\"font-weight: 400;\">Pick your state from the list below to get personalized advice about buying a house in your area.<\/span><\/p>\n<div class=\"tags-list\"><a href=\"https:\/\/listwithclever.com\/real-estate-blog\/8-steps-to-buying-a-house-in-alabama\/\" target=\"_blank\" rel=\"noreferrer noopener\">Alabama<\/a><br \/>\n<a href=\"https:\/\/listwithclever.com\/real-estate-blog\/8-steps-to-buying-a-house-in-alaska\/\" target=\"_blank\" rel=\"noreferrer noopener\">Alaska<\/a><br \/>\n<a href=\"https:\/\/listwithclever.com\/real-estate-blog\/8-steps-to-buying-a-house-in-arizona\/\" target=\"_blank\" rel=\"noreferrer noopener\">Arizona<\/a><br \/>\n<a href=\"https:\/\/listwithclever.com\/real-estate-blog\/8-steps-to-buying-a-house-in-arkansas\/\" target=\"_blank\" rel=\"noreferrer noopener\">Arkansas<\/a><br \/>\n<a href=\"https:\/\/listwithclever.com\/real-estate-blog\/8-steps-to-buying-a-house-in-california\/\" target=\"_blank\" rel=\"noreferrer noopener\">California<\/a><br \/>\n<a href=\"https:\/\/listwithclever.com\/real-estate-blog\/8-steps-to-buying-a-house-in-colorado\/\" target=\"_blank\" rel=\"noreferrer noopener\">Colorado<\/a><br \/>\n<a href=\"https:\/\/listwithclever.com\/real-estate-blog\/8-steps-to-buying-a-house-in-connecticut\/\" target=\"_blank\" rel=\"noreferrer noopener\">Connecticut<\/a><br \/>\n<a href=\"https:\/\/listwithclever.com\/real-estate-blog\/8-steps-to-buying-a-house-in-delaware\/\" target=\"_blank\" rel=\"noreferrer noopener\">Delaware<\/a><br \/>\n<a href=\"https:\/\/listwithclever.com\/real-estate-blog\/8-steps-to-buying-a-house-in-florida\/\" target=\"_blank\" rel=\"noreferrer noopener\">Florida<\/a><br \/>\n<a href=\"https:\/\/listwithclever.com\/real-estate-blog\/8-steps-to-buying-a-house-in-georgia\/\" target=\"_blank\" rel=\"noreferrer noopener\">Georgia<\/a><br \/>\n<a href=\"https:\/\/listwithclever.com\/real-estate-blog\/8-steps-to-buying-a-house-in-hawaii\/\" target=\"_blank\" rel=\"noreferrer noopener\">Hawaii<\/a><br \/>\n<a href=\"https:\/\/listwithclever.com\/real-estate-blog\/8-steps-to-buying-a-house-in-idaho\/\" target=\"_blank\" rel=\"noreferrer noopener\">Idaho<\/a><br \/>\n<a href=\"https:\/\/listwithclever.com\/real-estate-blog\/8-steps-to-buying-a-house-in-illinois\/\" target=\"_blank\" rel=\"noreferrer noopener\">Illinois<\/a><br \/>\n<a href=\"https:\/\/listwithclever.com\/real-estate-blog\/8-steps-to-buying-a-house-in-indiana\/\" target=\"_blank\" rel=\"noreferrer noopener\">Indiana<\/a><br \/>\n<a href=\"https:\/\/listwithclever.com\/real-estate-blog\/8-steps-to-buying-a-house-in-iowa\/\" target=\"_blank\" rel=\"noreferrer noopener\">Iowa<\/a><br \/>\n<a href=\"https:\/\/listwithclever.com\/real-estate-blog\/8-steps-to-buying-a-house-in-kansas\/\" target=\"_blank\" rel=\"noreferrer noopener\">Kansas<\/a><br \/>\n<a href=\"https:\/\/listwithclever.com\/real-estate-blog\/8-steps-to-buying-a-house-in-kentucky\/\" target=\"_blank\" rel=\"noreferrer noopener\">Kentucky<\/a><br \/>\n<a href=\"https:\/\/listwithclever.com\/real-estate-blog\/8-steps-to-buying-a-house-in-louisiana\/\" target=\"_blank\" rel=\"noreferrer noopener\">Louisiana<\/a><br \/>\n<a href=\"https:\/\/listwithclever.com\/real-estate-blog\/8-steps-to-buying-a-house-in-maine\/\" target=\"_blank\" rel=\"noreferrer noopener\">Maine<\/a><br \/>\n<a href=\"https:\/\/listwithclever.com\/real-estate-blog\/8-steps-to-buying-a-house-in-maryland\/\" target=\"_blank\" rel=\"noreferrer noopener\">Maryland<\/a><br \/>\n<a href=\"https:\/\/listwithclever.com\/real-estate-blog\/8-steps-to-buying-a-house-in-massachusetts\/\" target=\"_blank\" rel=\"noreferrer noopener\">Massachusetts<\/a><br \/>\n<a href=\"https:\/\/listwithclever.com\/real-estate-blog\/8-steps-to-buying-a-house-in-michigan\/\" target=\"_blank\" rel=\"noreferrer noopener\">Michigan<\/a><br \/>\n<a href=\"https:\/\/listwithclever.com\/real-estate-blog\/8-steps-to-buying-a-house-in-minnesota\/\" target=\"_blank\" rel=\"noreferrer noopener\">Minnesota<\/a><br \/>\n<a href=\"https:\/\/listwithclever.com\/real-estate-blog\/8-steps-to-buying-a-house-in-mississippi\/\" target=\"_blank\" rel=\"noreferrer noopener\">Mississippi<\/a><br \/>\n<a href=\"https:\/\/listwithclever.com\/real-estate-blog\/8-steps-to-buying-a-house-in-missouri\/\" target=\"_blank\" rel=\"noreferrer noopener\">Missouri<\/a><br \/>\n<a href=\"https:\/\/listwithclever.com\/real-estate-blog\/8-steps-to-buying-a-house-in-montana\/\" target=\"_blank\" rel=\"noreferrer noopener\">Montana<\/a><br \/>\n<a href=\"https:\/\/listwithclever.com\/real-estate-blog\/8-steps-to-buying-a-house-in-nebraska\/\" target=\"_blank\" rel=\"noreferrer noopener\">Nebraska<\/a><br \/>\n<a href=\"https:\/\/listwithclever.com\/real-estate-blog\/8-steps-to-buying-a-house-in-nevada\/\" target=\"_blank\" rel=\"noreferrer noopener\">Nevada<\/a><br \/>\n<a href=\"https:\/\/listwithclever.com\/real-estate-blog\/8-steps-to-buying-a-house-in-new-hampshire\/\" target=\"_blank\" rel=\"noreferrer noopener\">New Hampshire<\/a><br \/>\n<a href=\"https:\/\/listwithclever.com\/real-estate-blog\/8-steps-to-buying-a-house-in-new-jersey\/\" target=\"_blank\" rel=\"noreferrer noopener\">New Jersey<\/a><br \/>\n<a href=\"https:\/\/listwithclever.com\/real-estate-blog\/8-steps-to-buying-a-house-in-new-mexico\/\" target=\"_blank\" rel=\"noreferrer noopener\">New Mexico<\/a><br \/>\n<a href=\"https:\/\/listwithclever.com\/real-estate-blog\/8-steps-to-buying-a-house-in-new-york\/\" target=\"_blank\" rel=\"noreferrer noopener\">New York<\/a><br \/>\n<a href=\"https:\/\/listwithclever.com\/real-estate-blog\/8-steps-to-buying-a-house-in-north-carolina\/\" target=\"_blank\" rel=\"noreferrer noopener\">North Carolina<\/a><br \/>\n<a href=\"https:\/\/listwithclever.com\/real-estate-blog\/8-steps-to-buying-a-house-in-north-dakota\/\" target=\"_blank\" rel=\"noreferrer noopener\">North Dakota<\/a><br \/>\n<a href=\"https:\/\/listwithclever.com\/real-estate-blog\/8-steps-to-buying-a-house-in-ohio\/\" target=\"_blank\" rel=\"noreferrer noopener\">Ohio<\/a><br \/>\n<a href=\"https:\/\/listwithclever.com\/real-estate-blog\/8-steps-to-buying-a-house-in-oklahoma\/\" target=\"_blank\" rel=\"noreferrer noopener\">Oklahoma<\/a><br \/>\n<a href=\"https:\/\/listwithclever.com\/real-estate-blog\/8-steps-to-buying-a-house-in-oregon\/\" target=\"_blank\" rel=\"noreferrer noopener\">Oregon<\/a><br \/>\n<a href=\"https:\/\/listwithclever.com\/real-estate-blog\/8-steps-to-buying-a-house-in-pennsylvania\/\" target=\"_blank\" rel=\"noreferrer noopener\">Pennsylvania<\/a><br \/>\n<a href=\"https:\/\/listwithclever.com\/real-estate-blog\/8-steps-to-buying-a-house-in-rhode-island\/\" target=\"_blank\" rel=\"noreferrer noopener\">Rhode Island<\/a><br \/>\n<a href=\"https:\/\/listwithclever.com\/real-estate-blog\/8-steps-to-buying-a-house-in-south-carolina\/\" target=\"_blank\" rel=\"noreferrer noopener\">South Carolina<\/a><br \/>\n<a href=\"https:\/\/listwithclever.com\/real-estate-blog\/8-steps-to-buying-a-house-in-south-dakota\/\" target=\"_blank\" rel=\"noreferrer noopener\">South Dakota<\/a><br \/>\n<a href=\"https:\/\/listwithclever.com\/real-estate-blog\/8-steps-to-buying-a-house-in-tennessee\/\" target=\"_blank\" rel=\"noreferrer noopener\">Tennessee<\/a><br \/>\n<a href=\"https:\/\/listwithclever.com\/real-estate-blog\/8-steps-to-buying-a-house-in-texas\/\" target=\"_blank\" rel=\"noreferrer noopener\">Texas<\/a><br \/>\n<a href=\"https:\/\/listwithclever.com\/real-estate-blog\/8-steps-to-buying-a-house-in-utah\/\" target=\"_blank\" rel=\"noreferrer noopener\">Utah<\/a><br \/>\n<a href=\"https:\/\/listwithclever.com\/real-estate-blog\/8-steps-to-buying-a-house-in-vermont\/\" target=\"_blank\" rel=\"noreferrer noopener\">Vermont<\/a><br \/>\n<a href=\"https:\/\/listwithclever.com\/real-estate-blog\/8-steps-to-buying-a-house-in-virginia\/\" target=\"_blank\" rel=\"noreferrer noopener\">Virginia<\/a><br \/>\n<a href=\"https:\/\/listwithclever.com\/real-estate-blog\/8-steps-to-buying-a-house-in-washington-state\/\" target=\"_blank\" rel=\"noreferrer noopener\">Washington<\/a><br \/>\n<a href=\"https:\/\/listwithclever.com\/real-estate-blog\/8-steps-to-buying-a-house-in-washington-dc\/\" target=\"_blank\" rel=\"noreferrer noopener\">Washington DC<\/a><br \/>\n<a href=\"https:\/\/listwithclever.com\/real-estate-blog\/8-steps-to-buying-a-house-in-west-virginia\/\" target=\"_blank\" rel=\"noreferrer noopener\">West Virginia<\/a><br \/>\n<a href=\"https:\/\/listwithclever.com\/real-estate-blog\/8-steps-to-buying-a-house-in-wisconsin\/\" target=\"_blank\" rel=\"noreferrer noopener\">Wisconsin<\/a><br \/>\n<a href=\"https:\/\/listwithclever.com\/real-estate-blog\/8-steps-to-buying-a-house-in-wyoming\/\" target=\"_blank\" rel=\"noreferrer noopener\">Wyoming<\/a><\/div>\n<\/p>\n              <\/div>\n            <\/div>\n          <\/div>\n            <\/div>\n  \n\n\n<p class=\"wp-block-paragraph\"><div class=\"textbox\"><div class=\"textbox-content\"><\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>\ud83d\udcca United States housing market overview<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Here are the details for the  housing market as of May 31, 2026:<span class=\"tooltip-icon\" data-tippy-content=\"All data is powered by the Clever Market Heat Index (CMHI) unless otherwise noted.\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 330 330\"> <path d=\"m165 0c-90.981 0-165 74.02-165 165s74.019 165 165 165 165-74.018 165-165-74.019-165-165-165zm0 300c-74.44 0-135-60.56-135-135s60.56-135 135-135 135 60.562 135 135-60.561 135-135 135z\"\/> <path d=\"m165 70c-11.026 0-19.996 8.976-19.996 20.009 0 11.023 8.97 19.991 19.996 19.991s19.996-8.968 19.996-19.991c0-11.033-8.97-20.009-19.996-20.009z\"\/> <path d=\"m165 140c-8.284 0-15 6.716-15 15v90c0 8.284 6.716 15 15 15s15-6.716 15-15v-90c0-8.284-6.716-15-15-15z\"\/><\/svg><\/span><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>\ud83d\udcb0 Median home value:<\/strong> $370,320 <em>(compared to the rolling average of $368,370)<\/em><\/li>\n\n\n\n<li><strong>\ud83d\udcb5 Median sale price:<\/strong> $440,410 <em>(compared to the rolling average of $437,091)<\/em><\/li>\n\n\n\n<li><strong>\ud83d\udcc9 National average mortgage rate:<\/strong> 6.49% <em>(  compared to last month)<\/em><span class=\"citation-number\" data-tippy-content=\"Freddie Mac \u2013 &lt;a target=&quot;_blank&quot; rel=&quot;noopener noreferrer nofollow&quot; href=&quot;https:\/\/www.freddiemac.com\/pmms&quot;&gt;&quot;U.S. Mortgage Rates&quot;&lt;\/a&gt;&lt;br&gt;&lt;br&gt;&lt;a class=&quot;view-all-sources-link&quot; href=&quot;#article-sources&quot;&gt;View All Sources&lt;\/a&gt;\">[2]<\/span><\/li>\n\n\n\n<li><strong>\ud83c\udfe0 Current housing inventory: <\/strong>1,058,693 days <em>(compared to the rolling average of 1,030,938 days)<\/em><\/li>\n\n\n\n<li><strong>\u23f0 Days on market (DOM): <\/strong>50 days <em>(compared to the rolling average of 51 days)<\/em><\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Remember that local market knowledge is the most valuable when shopping for a home. Find your state in the list above for specifics on how to buy a home in your state.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/div><\/div><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"steps\">Step 1: Save for a down payment<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Traditionally, experts recommend saving at least 20% of a home\u2019s total cost to use as a down payment. This lets you <a href=\"https:\/\/listwithclever.com\/real-estate-blog\/low-or-no-pmi-mortgage-programs\/\" target=\"_blank\" rel=\"noreferrer noopener\">avoid paying private mortgage insurance (PMI)<\/a>, which is usually required for conventional loans until you reach 20% home equity. In the United States, a 20% down payment on the median value home would be around $94,600.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">You can still get a conventional loan and pay less than a 20% down payment. <a href=\"https:\/\/listwithclever.com\/research\/how-much-house-can-i-afford\/\" target=\"_blank\" rel=\"noreferrer noopener\">According to a recent homeownership study<\/a>, however, the average home buyer likely can't afford a 20% down payment, based on the median home price and salary in their metro area. If you pay less than 20%, you\u2019ll likely have to pay PMI.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Loans by Veterans Affairs (VA) and the Federal Housing Administration (FHA) allow even lower down payment amounts.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Federal Housing Administration (FHA) loan:<\/strong> Offers 3.5% and 10% down payment options, depending if you meet the <a href=\"https:\/\/listwithclever.com\/real-estate-blog\/fha-mortgage-requirements\/\" target=\"_blank\" rel=\"noreferrer noopener\">FHA mortgage loan requirements<\/a>.&nbsp;<\/li>\n\n\n\n<li><strong>VA loan:<\/strong> Offers 0% down payment options with no private mortgage insurance required \u2014 only available to certified U.S. veterans and active-duty military service members.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">The catch is that FHA loans require borrowers to pay mortgage insurance for the life of the loan, and VA loans include a one-time funding fee. These loans also have stricter requirements for qualifying for a loan than a conventional mortgage.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">If you\u2019re eligible, take advantage of <a href=\"https:\/\/listwithclever.com\/real-estate-blog\/first-time-homebuyer-programs\/\" target=\"_blank\" rel=\"noreferrer noopener\">first-time home buyer programs<\/a> to save money. Most states offer special programs for first-time buyers, which you can find through the Department of Housing and Urban Development HUD.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><div class=\"textbox\"><div class=\"textbox-content\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\ud83d\udca1 Curious about how much house you can afford? Check out the data in our <a href=\"https:\/\/listwithclever.com\/research\/how-much-house-can-i-afford\/\" target=\"_blank\" rel=\"noreferrer noopener\">2025 Why Are Houses So Expensive?<\/a> study.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/div><\/div><\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"dpa\"><strong>Compare down payment assistance programs<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">If you're having trouble affording a home, there are several <a href=\"https:\/\/listwithclever.com\/real-estate-blog\/first-time-homebuyer-programs\/\" target=\"_blank\" rel=\"noreferrer noopener\">down payment assistance (DPA) programs available<\/a> to first-time and low-income buyers throughout the United States. These programs provide eligible homebuyers with a grant or second mortgage to help cover closing costs or a down payment.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Every DPA program has its own unique requirements for eligible buyers. Participants are often required to pay a certain percentage of the down payment or take a homeowner education course.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Some DPA programs provide loans that will need to be repaid, whereas others provide grants to buyers. Make sure you understand the program's conditions before applying so you won't face any surprise fees later.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Here are a couple of nationwide DPA programs that you might be eligible for:<\/p>\n\n\n<!--blockstudio\/acf\/content-drawer-->    <div class=\"drawers-wrapper\">\n            <div class=\"drawer-panel\">\n            <h3>\n              <button class=\"drawer-trigger\">Chenoa Fund FHA Down Payment Assistance Repayable <\/button>\n            <\/h3>\n            <div class=\"drawer-content\">\n              <div>\n                <p>This program offers a 10-year term with an interest rate matching the interest rate on the FHA first mortgage. This loan has the 3.5% or 5% DPA option and does require a monthly payment on the second mortgage.\n<ul>\n<li><strong>Program provider:<\/strong> CBC Mortgage Agency<\/li>\n<li><strong>Down payment assistance: <\/strong>Varies<\/li>\n<li><strong>Max purchase price: <\/strong>$766,550<\/li>\n<li><strong>Max household income: <\/strong>Varies<\/li>\n<li><strong>Credit score requirement:<\/strong> 600<\/li>\n<li><strong>ONLY available to first-time home buyers:\u00a0<\/strong>No<\/li>\n<\/ul>\n<p><a href=\"https:\/\/chenoafund.org\/\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">Learn more about this program.<\/a><\/p>\n<\/p>\n              <\/div>\n            <\/div>\n          <\/div>\n                  <div class=\"drawer-panel\">\n            <h3>\n              <button class=\"drawer-trigger\">Chenoa Fund FHA Down Payment Assistance Forgivable <\/button>\n            <\/h3>\n            <div class=\"drawer-content\">\n              <div>\n                <p>This program has a 30-year term with an interest rate of 0% (0% APR). This loan does not require a monthly payment on the second mortgage. Forgiveness is determined by the DPA amount. Both the 3.5% and 5.0% forgivable loan options may be forgiven at the end of the 30-year term if the previous forgiveness conditions have not been met, even if the borrower made late payments on the FHA first mortgage.\n<ul>\n<li><strong>Program provider:<\/strong> CBC Mortgage Agency<\/li>\n<li><strong>Down payment assistance: <\/strong>N\/A<\/li>\n<li><strong>Max purchase price: <\/strong>$766,550<\/li>\n<li><strong>Max household income: <\/strong>Varies<\/li>\n<li><strong>Credit score requirement:<\/strong> 600<\/li>\n<li><strong>ONLY available to first-time home buyers:\u00a0<\/strong>No<\/li>\n<\/ul>\n<p><a href=\"https:\/\/chenoafund.org\/\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">Learn more about this program.<\/a><\/p>\n<\/p>\n              <\/div>\n            <\/div>\n          <\/div>\n            <\/div>\n  \n\n\n<h2 class=\"wp-block-heading\">Step 2: Find a local real estate agent<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Once you have a budget and a general area in mind, you can <a href=\"https:\/\/listwithclever.com\/how-to-find-a-real-estate-agent\/\" target=\"_blank\" rel=\"noreferrer noopener\">find a great realtor<\/a> to help you make the most of your house-hunting goals. An experienced agent can help you navigate a tricky local market, explore your financial options, and negotiate the best deal when buying a house.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">In addition to finding and showing you properties, your real estate agent will help you make offers, negotiate contracts, and navigate the closing process. Plus, they can recommend other service providers (like title companies and inspectors) to help you buy your house.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">To make sure a realtor is the right fit for you, it's always a good idea to <a href=\"https:\/\/listwithclever.com\/real-estate-blog\/best-paint-colors-to-sell-a-house\/\" target=\"_blank\" rel=\"noreferrer noopener\">ask your agent questions<\/a> before signing an agreement with them. You can also narrow down your options by:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Checking online reviews<\/li>\n\n\n\n<li>Asking friends for recommendations<\/li>\n\n\n\n<li>Using an agent-finding tool to find vetted agents<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Clever Real Estate\u2019s free agent matching tool connects you with the best realtors in your area. To join our network, agents must meet competitive standards for customer service and past sales \u2014 making it simpler for you to interview and compare top agents. <a href=\"#startmsf\" rel=\"nofollow\">Match with top agents in your area today and receive a discounted 1.5% listing fee!<\/a>&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><div class=\"brxe-block quick-tip\">  <span class=\"quick-tip-title\">\ud83d\udcb0 Buy with a top agent, earn cash back!<\/span>  <div class=\"quick-tip-content\"><!-- wp:paragraph -->\n<p>Buy your next home with a top local realtor from a trusted brand like Keller Williams or RE\/MAX. Keep more money in your pocket by earning cash back on eligible purchases.<\/p>\n<!-- \/wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Enter your zip code to request hand-picked agent matches in minutes. Compare your options until you find the perfect fit, or walk away with no obligation. Try Clever's free service today!<\/p>\n<!-- \/wp:paragraph --><\/div><form name=\"Find A Top Rated Agent Near You!\" class=\"zipFormSmall zipForm\" onsubmit=\"startFunnel(event, zipClientNumber)\">\n    <div class=\"zipInputContainerSmall\">\n        <div class=\"zipInputWrapSmall\">\n            <div role=\"button\" tabindex=\"0\" aria-label=\"Enter your zip code\" class=\"zipInputFieldSmall\">\n                <input inputmode=\"numeric\" class=\"zipInput\" maxlength=\"5\" aria-label=\"Enter your zip code\" alt=\"Enter your zip code\" placeholder=\"Enter your zip code\" type=\"text\" value=\"\">\n                <svg width=\"24\" height=\"24\"  viewBox=\"0 0 24 24\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path class=\"zipInputIcon\" d=\"M18.364 17.3639L12 23.7279L5.636 17.3639C4.37734 16.1052 3.52019 14.5016 3.17293 12.7558C2.82567 11.0099 3.00391 9.20035 3.6851 7.55582C4.36629 5.91129 5.51984 4.50569 6.99988 3.51677C8.47992 2.52784 10.22 2 12 2C13.78 2 15.5201 2.52784 17.0001 3.51677C18.4802 4.50569 19.6337 5.91129 20.3149 7.55582C20.9961 9.20035 21.1743 11.0099 20.8271 12.7558C20.4798 14.5016 19.6227 16.1052 18.364 17.3639ZM12 12.9999C12.5304 12.9999 13.0391 12.7892 13.4142 12.4141C13.7893 12.0391 14 11.5304 14 10.9999C14 10.4695 13.7893 9.96078 13.4142 9.58571C13.0391 9.21064 12.5304 8.99992 12 8.99992C11.4696 8.99992 10.9609 9.21064 10.5858 9.58571C10.2107 9.96078 10 10.4695 10 10.9999C10 11.5304 10.2107 12.0391 10.5858 12.4141C10.9609 12.7892 11.4696 12.9999 12 12.9999Z\" fill=\"#A7C0DB\"><\/path><\/svg>\n            <\/div>\n        <\/div><div><button type=\"submit\" class=\"zipInputButton\" msftrigger=\"quick_tip\" msftriggerid=\"buy-with-agent-earn-cash-back\">Find my agent<\/button><\/div><\/div>\n<\/form>  <div class=\"quick-tip-icon\"><svg width=\"56\" height=\"57\" viewBox=\"0 0 56 57\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M0 0.197693H48C52.4183 0.197693 56 3.77942 56 8.19769V56.1977L0 0.197693Z\" fill=\"#FACD61\"><\/path><path d=\"M40 14.1977H47L38 27.1977V18.1977H31L40 5.19769V14.1977Z\" fill=\"white\"><\/path><\/svg><\/div><\/div><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"pre-approval\">3. Get pre-approved for a mortgage<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Mortgage pre-approval is a lender's conditional offer to lend you a maximum amount of money to buy a home. Getting a pre-approval letter for a mortgage is important for three reasons:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>You have an exact budget to keep your home search realistic.<\/li>\n\n\n\n<li>You can make an offer right away when you find a home you love, which can be a game-changer in a fast-paced market.<\/li>\n\n\n\n<li>A pre-approval letter shows the seller you're serious about buying since there's less chance your financing will fall through.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">When you go to a lender to apply for a mortgage, you need to have your ID, employment information, proof of income, and a list of your current debts. Lenders consider you less of a risk if you have a reliable source of income and a history of on-time payments for other debts.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><a href=\"https:\/\/listwithclever.com\/real-estate-blog\/how-long-does-it-take-to-get-pre-approved-for-mortgage\/\" target=\"_blank\" rel=\"noreferrer noopener\">How long it takes to get pre-approved for a mortgage<\/a> can vary. However, lenders look at the following information to determine your mortgage pre-approval amount:<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Total income<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><a href=\"https:\/\/listwithclever.com\/how-to-pick-a-lender-when-buying-a-house\/\" target=\"_blank\" rel=\"noreferrer noopener\">Lenders<\/a> need to know that you earn enough to make your mortgage payments each month. Most lenders want your monthly housing costs to be less than 28% of your monthly income.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Personal debt<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Lenders also consider your other debts, including credit cards, student loans, auto loans, and personal loans. Paying off some of your debts before applying for a mortgage may help you get pre-approved.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Lenders use this information to calculate your debt-to-income ratio (DTI) \u2014 or your total monthly debt (including future mortgage) divided by your total monthly income.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">While some lenders will approve <a href=\"https:\/\/listwithclever.com\/real-estate-blog\/high-dti-mortgage-lenders\/\" target=\"_blank\" rel=\"noreferrer noopener\">mortgages for buyers with a high DTI ratio<\/a>, as high as 43%, it's best to keep your DTI under 36%.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Cash reserves<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Mortgage lenders want to see that you have enough cash in the bank to cover your down payment and closing costs without completely draining your cash reserves.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">While this requirement varies by lender, most want you to keep at least enough to cover two mortgage payments, including insurance and taxes.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Credit score<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Lenders typically rate credit scores on this scale:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u2705 Excellent: 800\u2013850<\/li>\n\n\n\n<li>\u2705 Very good: 740\u2013799<\/li>\n\n\n\n<li>\u2705 Good: 670\u2013739<\/li>\n\n\n\n<li>\ud83d\udfe1 Fair: 580\u2013669<\/li>\n\n\n\n<li>\u26d4 Poor: 579 or below<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">It\u2019s possible to <a href=\"https:\/\/listwithclever.com\/real-estate-blog\/buy-home-with-bad-credit\/\" target=\"_blank\" rel=\"noreferrer noopener\">get a mortgage with poor credit<\/a>, but be prepared for higher interest rates that will make your monthly mortgage payment more expensive. Both FHA and VA loans allow for lower credit scores, but they may require a higher down payment than their standard requirements.<\/p>\n\n\n<!--blockstudio\/acf\/content-drawer-->    <div class=\"drawers-wrapper\">\n            <div class=\"drawer-panel\">\n            <h3>\n              <button class=\"drawer-trigger\">How do I choose a mortgage lender?<\/button>\n            <\/h3>\n            <div class=\"drawer-content\">\n              <div>\n                <p><p><a href=\"https:\/\/listwithclever.com\/how-to-pick-a-lender-when-buying-a-house\/\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">When choosing a mortgage lender<\/span><\/a><span style=\"font-weight: 400;\">, consider each lender's quoted interest rate, estimated closing costs and fees, reputation and online reviews, and customer service quality. Compare interest rates and pre-approval amounts from several lenders to make sure you're getting the best rate and terms when you buy your next home.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">A local lender may have a better understanding of lending regulations in your area, but you don't necessarily need to use a state-based lender. Many national and online lenders may provide better rates and terms. It never hurts to shop around! <\/span><\/p>\n<\/p>\n              <\/div>\n            <\/div>\n          <\/div>\n            <\/div>\n  \n\n\n<h2 class=\"wp-block-heading\" id=\"location\">4. Find the right location<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Before looking at houses, decide on a few potential locations first. Start zooming in on the best neighborhoods where home prices fall within your budget, and consider what you want out of your home.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Housing affordability in the United States<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Housing affordability varies greatly by state and city in the United States. <a href=\"https:\/\/listwithclever.com\/research\/how-much-house-can-i-afford\/\" target=\"_blank\" rel=\"noreferrer noopener\">According to our recent home affordability study<\/a>, here are some of the most affordable states to live in.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>State<\/strong><\/td><td><strong>Median sale price<\/strong><\/td><td><strong>Median household income<\/strong><\/td><td><strong>Income needed to afford median home<\/strong><\/td><\/tr><tr><td><strong>\ud83e\udd47 Iowa<\/strong><\/td><td>$239,000<\/td><td>$71,433<\/td><td>$70,436<\/td><\/tr><tr><td><strong>\ud83e\udd48 Indiana<\/strong><\/td><td>$267,000<\/td><td>$69,477<\/td><td>$72,302<\/td><\/tr><tr><td>\ud83e\udd49 <strong>Ohio<\/strong><\/td><td>$254,000<\/td><td>$67,769<\/td><td>$72,613<\/td><\/tr><tr><td>4\ufe0f\u20e3 <strong>West Virginia<\/strong><\/td><td>$248,000<\/td><td>$55,948<\/td><td>$62,436<\/td><\/tr><tr><td>5\ufe0f\u20e3 <strong>Missouri<\/strong><\/td><td>$271,000<\/td><td>$68,545<\/td><td>$76,715<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Best places to live in the United States<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">When you\u2019re looking at different home prices, don\u2019t forget to look at <a href=\"https:\/\/listwithclever.com\/real-estate-blog\/buying-a-house-out-of-state-the-smart-way\/\" target=\"_blank\" rel=\"noreferrer noopener\">how the location will affect your quality of life<\/a>. Here are some of the best states to live in the US, <a href=\"https:\/\/cleveroffers.com\/research\/best-places-to-live-in-the-us-2025\/\" target=\"_blank\" rel=\"noreferrer noopener\">according to our recent study<\/a>.&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\ud83e\udd47 Florida<\/li>\n\n\n\n<li><strong>\ud83e\udd48 <\/strong>California<\/li>\n\n\n\n<li>\ud83e\udd49 Hawaii<\/li>\n\n\n\n<li>4\ufe0f\u20e3 Texas<\/li>\n\n\n\n<li>5\ufe0f\u20e3 New York<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">In that same study, we surveyed 1,000 Americans about the most important factors to consider when choosing a location. Here\u2019s what we found:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\ud83e\udd47 <strong>Good weather:<\/strong> 67% of surveyed Americans<\/li>\n\n\n\n<li><strong>\ud83e\udd48 Low crime rates:<\/strong> 66%<\/li>\n\n\n\n<li>\ud83e\udd49<strong>&nbsp;Low cost of living: <\/strong>64%<\/li>\n\n\n\n<li>4\ufe0f\u20e3 <strong>Low housing costs: <\/strong>53%<\/li>\n\n\n\n<li>5\ufe0f\u20e3 <strong>Natural beauty: <\/strong>52%<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Other considerations may include school quality, access to healthcare, home appreciation rates, natural disaster risk, and commute times.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">5. Start your home search<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">You might not find a house that checks all your boxes, so keep your options open by making a list of your must-haves and nice-to-haves. Once you have a good idea of what you\u2019re looking for, your agent will search for homes on your local <a href=\"https:\/\/listwithclever.com\/real-estate-blog\/the-pros-and-cons-of-a-multiple-listing-service-in-real-estate\/\" target=\"_blank\" rel=\"noreferrer noopener\">Multiple Listing Service<\/a> (MLS), bring you top picks, and schedule viewings and tours.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">You can also search for houses by:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Checking <a href=\"https:\/\/listwithclever.com\/best-home-buying-websites\/\" target=\"_blank\" rel=\"noreferrer noopener\">home-buying sites<\/a> like Zillow, Realtor.com, and Trulia<\/li>\n\n\n\n<li>Finding \"for sale\" signs in your desired neighborhoods<\/li>\n\n\n\n<li>Asking your agent to look for off-market properties that match your criteria<\/li>\n\n\n\n<li>Attending open houses<\/li>\n\n\n\n<li>Scheduling private tours of homes<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">While you might find the perfect home within just a week of searching, be prepared for a lengthy and challenging process. <a href=\"https:\/\/listwithclever.com\/research\/homebuyers-survey-2025\/\" target=\"_blank\" rel=\"noreferrer noopener\">In our recent home buyer study<\/a> of 1,000 buyers, 46% of buyers, including 58% of first-time buyers, found that buying a home was more stressful than they expected.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">As you\u2019re house hunting, consider the <a href=\"https:\/\/listwithclever.com\/real-estate-blog\/cost-to-buy-house\/\" target=\"_blank\" rel=\"noreferrer noopener\">full costs of owning a home<\/a>, not just the monthly mortgage payments. Other potential costs of owning the home include maintenance and repairs, property taxes, homeowner's insurance, and HOA fees.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><div class=\"textbox\"><div class=\"textbox-content\"><\/p>\n\n\n\n<h4 class=\"wp-block-heading\">\u2b50 House hunting tips<\/h4>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Drive around potential neighborhoods at different times of day.<\/li>\n\n\n\n<li>Take a peek at neighborhood social media platforms, such as community Facebook groups.<\/li>\n\n\n\n<li>Do a test drive of your daily commute to see what traffic is like.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><\/div><\/div><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">6. Draft and submit an offer<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Once you find a house you love, you'll have to draft an offer. Your real estate agent will help you write a compelling offer that will give you the best shot at convincing the homeowner to sell. Your offer should include the following items:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Offer amount:<\/strong> In a competitive market, you might need to go above the actual listing price, regardless of the house's condition. If the market is slower, you could try offering below the asking price and see if the seller accepts.<\/li>\n\n\n\n<li><strong>Earnest money deposit:<\/strong> Part of your offer could include an earnest money deposit, which may be 1\u20132% of the purchase price. If the sale goes through, the earnest money goes toward your down payment, so you won't need anything additional out of pocket.<\/li>\n\n\n\n<li><strong>Seller concessions:<\/strong> If you might have trouble covering your closing costs, you can ask the seller to pay for some of these expenses. This is called a concession. A <a href=\"https:\/\/listwithclever.com\/seller-concessions\/\" target=\"_blank\" rel=\"noreferrer noopener\">seller concession<\/a> could include paying attorney fees, title search fees, buyer\u2019s agent commission, or appraisal fees.<\/li>\n\n\n\n<li><strong>Letter to the seller:<\/strong> Including a letter to the seller is a bit of a gray area in the home-buying process. Some brokerages claim that a letter could potentially violate Fair Housing Laws. If you\u2019re not sure if you should include a personal letter with your offer, ask your agent for advice.<\/li>\n\n\n\n<li><strong>Contingencies:<\/strong> A <a href=\"https:\/\/listwithclever.com\/real-estate-blog\/contingent-real-estate\/\" target=\"_blank\" rel=\"noreferrer noopener\">contingency<\/a> states that you'll only move forward with the sale if specific requirements are met. The most common types include inspection, financing, and appraisal contingencies.<\/li>\n\n\n\n<li><strong>Repair credits:<\/strong> If a seller doesn't want to repair an issue with the home, they can offer a repair credit instead. This will cover the cost of getting a problem fixed after you move in.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><a href=\"https:\/\/listwithclever.com\/research\/homebuyers-survey-2025\/\" target=\"_blank\" rel=\"noreferrer noopener\">According to our recent home buyer study<\/a>, 50% of buyers had to make two or more offers before one was accepted, while 31% had to make three or more, 18% made four or more. So be prepared to negotiate and move onto other properties as needed.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"negotiate\">7. Negotiate with the seller<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">After you submit your offer, the seller can decide to accept, reject, or counteroffer.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">In most locations, sellers generally respond within 72 hours of receiving an offer. However, <a href=\"https:\/\/listwithclever.com\/real-estate-blog\/how-to-purchase-a-foreclosure\/\" target=\"_blank\" rel=\"noreferrer noopener\">if you\u2019re looking to buy a foreclosed home<\/a>, it can take several days to a month before you hear a response (especially if it\u2019s a bank-owned foreclosure).<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">If a seller responds to your offer with a <a href=\"https:\/\/listwithclever.com\/real-estate-blog\/real-estate-counter-offer-etiquette-for-buyers-and-sellers\/\" target=\"_blank\" rel=\"noreferrer noopener\">counteroffer<\/a> or requests all prospective buyers for their \"highest and best offers,\" you have a few options.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Increase offer price: <\/strong>Raising your offer price is the most straightforward way to strengthen your counteroffer. Even a modest increase of 1-2% can show sellers you're serious while staying within your budget. This approach works particularly well in competitive markets or when dealing with multiple offers, as it directly addresses the seller's primary concern of maximizing their return.<\/li>\n\n\n\n<li><strong>Increase earnest money deposit: <\/strong>A larger earnest money deposit demonstrates financial strength and commitment to the purchase. By offering to increase this good-faith deposit from the typical 1-2% to 3-5% of the purchase price, you signal to sellers that you're unlikely to back out of the deal. Since this money ultimately goes toward your down payment, it's not an additional cost.<\/li>\n\n\n\n<li><strong>Offer flexibility on closing timeline: <\/strong>Accommodating the seller's preferred closing schedule can make your offer more attractive. Whether they need a quick closing to move for a job or a longer escrow period to find their next home, aligning with their timeline removes a potential obstacle.<\/li>\n\n\n\n<li><strong>Remove contingencies:<\/strong> Waiving certain contingencies reduces the seller's risk and streamlines the transaction. Common options include removing inspection contingencies (while still performing inspections) and the appraisal contingency. However, exercise caution, as removing these safeguards increases your risk as a buyer.<\/li>\n<\/ul>\n\n\n<!--blockstudio\/acf\/content-drawer-->    <div class=\"drawers-wrapper\">\n            <div class=\"drawer-panel\">\n            <h3>\n              <button class=\"drawer-trigger\">\u2b50 Buyer negotiation insights<\/button>\n            <\/h3>\n            <div class=\"drawer-content\">\n              <div>\n                <p><p><span style=\"font-weight: 400;\"><a href=\"https:\/\/listwithclever.com\/research\/cost-of-buying-a-house\/\" target=\"_blank\" rel=\"noopener\">In a study of recent home buyers<\/a>, we found that 52% of home buyers negotiated their home purchase. 94% of those buyers succeeded in negotiating.\u00a0\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">The most successful negotiations were:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">\ud83e\udd47 <\/span><b>Seller-paid buyer\u2019s agent commission: <\/b><span style=\"font-weight: 400;\">93% of home buyers<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>\ud83e\udd48 Appliances\/furniture included in the sale: <\/b><span style=\"font-weight: 400;\">91%<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">\ud83e\udd49 <\/span><b>Credit for cosmetic upgrades: <\/b><span style=\"font-weight: 400;\">89%<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">4\ufe0f\u20e3 <\/span><b>Seller-paid repairs: <\/b><span style=\"font-weight: 400;\">83%<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\">5\ufe0f\u20e3 <b>Seller-paid points to lower mortgage rate: <\/b>77%<\/li>\n<\/ul>\n<\/p>\n              <\/div>\n            <\/div>\n          <\/div>\n            <\/div>\n  \n\n\n<p class=\"wp-block-paragraph\">If your offer is accepted, you\u2019ll need to:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Pay the <a href=\"https:\/\/listwithclever.com\/real-estate-blog\/earnest-money\/\" target=\"_blank\" rel=\"noreferrer noopener\">earnest money<\/a> deposit.<\/li>\n\n\n\n<li>Sign several legal documents, such as the agreement of sale and estimated closing cost sheet.<\/li>\n\n\n\n<li>Get in touch with your mortgage or loan officer so they can start the <a href=\"https:\/\/listwithclever.com\/real-estate-blog\/mortgage-underwriting-process\/\" target=\"_blank\" rel=\"noreferrer noopener\">underwriting process<\/a>.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"inspections\">8. Get an appraisal, inspection, and title search<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Before you can close on your home, your lender will require you to get an appraisal and title check. You'll also want to get an inspection for peace of mind.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Home appraisal<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><a href=\"https:\/\/listwithclever.com\/real-estate-blog\/what-is-a-home-appraisal\/\" target=\"_blank\" rel=\"noreferrer noopener\">Appraisals<\/a> are conducted by state-licensed appraisers who estimate a home's value based on comparable houses in the area, local market trends, and a visual inspection of the home. Your lender will select an appraiser.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The appraiser\u2019s report will determine how much you\u2019ll actually receive for your loan. If the appraisal comes back low, you'll either have to pay the difference out of pocket, renegotiate with the seller, challenge the appraisal, or walk away from the sale (if you have an <a href=\"https:\/\/listwithclever.com\/real-estate-blog\/appraisal-contingency\/\" target=\"_blank\" rel=\"noreferrer noopener\">appraisal contingency<\/a>).<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The buyer typically pays the appraisal fee, which is between $323 and $428 in the United States.<span class=\"citation-number\" data-tippy-content=\"HomeAdvisor \u2013 &lt;a target=&quot;_blank&quot; rel=&quot;noopener noreferrer nofollow&quot; href=&quot;https:\/\/www.homeadvisor.com\/cost\/inspectors-and-appraisers\/hire-a-property-appraiser\/&quot;&gt;&quot;How Much Does a Home Appraisal Cost?&quot;&lt;\/a&gt; Updated March 26, 2026.&lt;br&gt;&lt;br&gt;&lt;a class=&quot;view-all-sources-link&quot; href=&quot;#article-sources&quot;&gt;View All Sources&lt;\/a&gt;\">[3]<\/span><\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Home inspection<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">A <a href=\"https:\/\/listwithclever.com\/real-estate-blog\/how-long-does-a-home-inspection-take\/\" target=\"_blank\" rel=\"noreferrer noopener\">home inspection<\/a> is supposed to uncover any defects that the seller didn't catch or disclose. An inspector will check out key areas, such as the:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\ud83d\udd0c Electrical system<\/li>\n\n\n\n<li>\ud83c\udfd7 Foundation<\/li>\n\n\n\n<li>\ud83d\udd25 HVAC system<\/li>\n\n\n\n<li>\ud83d\udebd Plumbing system<\/li>\n\n\n\n<li>\ud83c\udfda\ufe0f Roof condition<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">If the inspector finds serious issues, you can <a href=\"https:\/\/listwithclever.com\/real-estate-blog\/the-seller-wont-make-repairs-after-the-inspection-now-what\/\" target=\"_blank\" rel=\"noreferrer noopener\">ask the seller to make repairs<\/a> before you move in or to offer you repair credits.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">As the home buyer, it's up to you to hire a home inspector. If you\u2019re not sure who you can trust, your agent will likely have recommendations for local pros. <a href=\"https:\/\/listwithclever.com\/real-estate-blog\/home-inspection-costs\/\" target=\"_blank\" rel=\"noreferrer noopener\">A home inspection costs<\/a> between $290 and $409 in the United States, depending on factors like the home's location, condition, and age.<span class=\"citation-number\" data-tippy-content=\"HomeAdvisor \u2013 &lt;a target=&quot;_blank&quot; rel=&quot;noopener noreferrer nofollow&quot; href=&quot;https:\/\/www.homeadvisor.com\/cost\/inspectors-and-appraisers\/hire-a-home-inspector\/&quot;&gt;&quot;How Much Does a Home Inspection Cost?&quot;&lt;\/a&gt; Updated March 26, 2026.&lt;br&gt;&lt;br&gt;&lt;a class=&quot;view-all-sources-link&quot; href=&quot;#article-sources&quot;&gt;View All Sources&lt;\/a&gt;\">[4]<\/span><\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Title search<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">A property title search is usually conducted by a <a href=\"https:\/\/listwithclever.com\/real-estate-blog\/7-faqs-about-title-companies-and-what-they-do-at-closing\/\" target=\"_blank\" rel=\"noreferrer noopener\">title company<\/a> or an attorney. It involves reviewing property records to make sure that the seller is the rightful owner of the home.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A title search also reveals if there are any liens on the home. A lien is a legal claim against a property that can be used as collateral to repay a debt.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Since liens are attached to the property itself (not the property owner), you may face the consequences if a previous owner had any debt. For instance, things like unpaid property taxes, HOA fees, or other bills might become your responsibility without a title search.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">9. Do a final walk-through<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><a href=\"https:\/\/listwithclever.com\/real-estate-blog\/home-purchase-final-walkthrough-checklist\/\" target=\"_blank\" rel=\"noreferrer noopener\">Final walk-throughs<\/a> usually happen a day or two before closing. This is your opportunity to make sure that everything the seller agreed to take care of has been repaired or replaced.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Bring your realtor with you, and thoroughly check each room of the home. It helps to bring a copy of your home inspection or contract for reference.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">If you find a minor problem, you can ask the seller to fix it before closing. For a more serious issue, you may need to move back the closing date to give the seller enough time to repair it. You could also ask for repair credits to cover the cost of repairs after closing.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">10. Close on your home<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">A few days before your closing date, you should send your down payment and the money you need for closing costs to your escrow agent through a <a href=\"https:\/\/listwithclever.com\/real-estate-blog\/how-long-does-a-wire-transfer-take-after-closing-on-a-home\/\" target=\"_blank\" rel=\"noreferrer noopener\">wire transfer<\/a>. Your lender should tell you when and where to send these funds, but it never hurts to ask if you're unsure.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">On the actual closing day, you'll usually meet at a title company to sign documents and finalize the property transfer. You'll review and sign the closing disclosure, promissory note, deed of trust, and certificate of occupancy.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">For buyers, it takes about 1.5\u20132 hours to review and sign all necessary documents.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><div class=\"textbox\"><div class=\"textbox-content\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\ud83d\udca1 Closing tip:<\/strong> Try to avoid closing on a Friday. Most lenders close over the weekends, so if the closing process goes over schedule, you won't be able to finish closing until Monday.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/div><\/div><\/p>\n\n\n<!--blockstudio\/acf\/content-drawer-->    <div class=\"drawers-wrapper\">\n            <div class=\"drawer-panel\">\n            <h3>\n              <button class=\"drawer-trigger\">Which states require a real estate attorney to conduct closing?<\/button>\n            <\/h3>\n            <div class=\"drawer-content\">\n              <div>\n                <p><p><span style=\"font-weight: 400;\">Some states \u2014 known as attorney closing states \u2014 require an attorney to be present at real estate closings to protect both the buyer and seller. These states currently include:<\/span><\/p>\n<ul>\n<li>Connecticut<\/li>\n<li>Delaware<\/li>\n<li>Georgia<\/li>\n<li>Kentucky<\/li>\n<li>Massachusetts<\/li>\n<li>New Hampshire<\/li>\n<li>New York<\/li>\n<li>North Carolina<\/li>\n<li>South Carolina<\/li>\n<li>West Virginia<\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Even if you live in a state where a <\/span><a href=\"https:\/\/listwithclever.com\/real-estate-blog\/realtor-or-real-estate-lawyer-which-is-cheaper\/\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">real estate attorney<\/span><\/a><span style=\"font-weight: 400;\"> isn't required, it's still not a bad idea to hire one. They can make sure your sale goes through without a hitch and that you cover all your legal bases.<\/span><\/p>\n<\/p>\n              <\/div>\n            <\/div>\n          <\/div>\n            <\/div>\n  \n\n\n<h3 class=\"wp-block-heading\" id=\"costs\"><strong>Pay buyer closing costs<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Average <a href=\"https:\/\/listwithclever.com\/closing-costs\/\" target=\"_blank\" rel=\"noreferrer noopener\">closing costs<\/a> for buyers make up 3%-5% of the loan amount. For a $473,055 home \u2014 the median sale price in the United States \u2014 that's between $14,192 and $23,653. Note that closing costs don't include your down payment \u2014 that\u2019s another fee altogether.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Closing costs for buyers can include:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Buyer agent fees: <\/strong>According to the NAR lawsuit settlement of August 2024, buyers are now responsible for negotiating buyer's agent commission rates with their agent. If the seller hasn't agreed to pay the buyer's agent fee as a concession, you'll likely be on the hook for covering the fee. In the United States, the <a href=\"https:\/\/listwithclever.com\/average-real-estate-commission-rate\/\" target=\"_blank\" rel=\"noreferrer noopener\">average buyer\u2019s agent commission fee<\/a> is 2.82%.<\/li>\n\n\n\n<li><strong>Prepaid costs:<\/strong> Ongoing costs of homeownership, such as property taxes and homeowners insurance. Mortgage lenders often require buyers to pay these monthly fees upfront.<\/li>\n\n\n\n<li><strong>Title and escrow charges: <\/strong>Charges for the title company's services, such as title searches and title insurance.<\/li>\n\n\n\n<li><strong>Lender fees:<\/strong> Fees for the mortgage company to originate and underwrite your loan. Lender fees might include other expenses associated with your loan, such as appraisal fees or mortgage points.<\/li>\n\n\n\n<li><strong>Other closing costs:<\/strong> Miscellaneous costs unique to each buyer. Other closing costs can include pest inspection fees, natural disaster certification fees, and other variable expenses.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">After signing all of the paperwork, you'll get the keys and can move into your new house. Congrats!&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">If you took out a mortgage to purchase the home, your first monthly payment is likely due within a month after closing. Ask your lender for more specific details about the monthly payment schedule, how to make the first payment, and how to set up automatic payments (if desired).<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><div class=\"brxe-block quick-tip\">  <span class=\"quick-tip-title\">Buy the right home, save money!<\/span>  <div class=\"quick-tip-content\"><!-- wp:paragraph -->\n<p>Clever matches you with top local buyer's agents so you can easily compare options and choose the best fit. Plus, we give you cash back on eligible purchases to help cover moving costs.<\/p>\n<!-- \/wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Our service is 100% free to use with no obligation. Give us a try today!<\/p>\n<!-- \/wp:paragraph --><\/div><form name=\"Find A Top Rated Agent Near You!\" class=\"zipFormSmall zipForm\" onsubmit=\"startFunnel(event, zipClientNumber)\">\n    <div class=\"zipInputContainerSmall\">\n        <div class=\"zipInputWrapSmall\">\n            <div role=\"button\" tabindex=\"0\" aria-label=\"Enter your zip code\" class=\"zipInputFieldSmall\">\n                <input inputmode=\"numeric\" class=\"zipInput\" maxlength=\"5\" aria-label=\"Enter your zip code\" alt=\"Enter your zip code\" placeholder=\"Enter your zip code\" type=\"text\" value=\"\">\n                <svg width=\"24\" height=\"24\"  viewBox=\"0 0 24 24\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path class=\"zipInputIcon\" d=\"M18.364 17.3639L12 23.7279L5.636 17.3639C4.37734 16.1052 3.52019 14.5016 3.17293 12.7558C2.82567 11.0099 3.00391 9.20035 3.6851 7.55582C4.36629 5.91129 5.51984 4.50569 6.99988 3.51677C8.47992 2.52784 10.22 2 12 2C13.78 2 15.5201 2.52784 17.0001 3.51677C18.4802 4.50569 19.6337 5.91129 20.3149 7.55582C20.9961 9.20035 21.1743 11.0099 20.8271 12.7558C20.4798 14.5016 19.6227 16.1052 18.364 17.3639ZM12 12.9999C12.5304 12.9999 13.0391 12.7892 13.4142 12.4141C13.7893 12.0391 14 11.5304 14 10.9999C14 10.4695 13.7893 9.96078 13.4142 9.58571C13.0391 9.21064 12.5304 8.99992 12 8.99992C11.4696 8.99992 10.9609 9.21064 10.5858 9.58571C10.2107 9.96078 10 10.4695 10 10.9999C10 11.5304 10.2107 12.0391 10.5858 12.4141C10.9609 12.7892 11.4696 12.9999 12 12.9999Z\" fill=\"#A7C0DB\"><\/path><\/svg>\n            <\/div>\n        <\/div><div><button type=\"submit\" class=\"zipInputButton\" msftrigger=\"quick_tip\" msftriggerid=\"save-money-when-buying-a-home\">Get started<\/button><\/div><\/div>\n<\/form>  <div class=\"quick-tip-icon\"><svg width=\"56\" height=\"57\" viewBox=\"0 0 56 57\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M0 0.197693H48C52.4183 0.197693 56 3.77942 56 8.19769V56.1977L0 0.197693Z\" fill=\"#FACD61\"><\/path><path d=\"M40 14.1977H47L38 27.1977V18.1977H31L40 5.19769V14.1977Z\" fill=\"white\"><\/path><\/svg><\/div><\/div><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"faq\">Frequently asked questions about buying a house<\/h2>\n\n\n<!--blockstudio\/acf\/content-drawer-->    <div class=\"drawers-wrapper\">\n            <div class=\"drawer-panel\">\n            <h3>\n              <button class=\"drawer-trigger\">What salary do I need to buy a house?<\/button>\n            <\/h3>\n            <div class=\"drawer-content\">\n              <div>\n                <p><p><span style=\"font-weight: 400;\"><a href=\"https:\/\/listwithclever.com\/research\/how-much-house-can-i-afford\/\" target=\"_blank\" rel=\"noopener\">According to our recent homeownership study<\/a>, a buyer needs a household income of $123,226 to afford a median value home in the United States.<\/span><\/p>\n<\/p>\n              <\/div>\n            <\/div>\n          <\/div>\n                  <div class=\"drawer-panel\">\n            <h3>\n              <button class=\"drawer-trigger\">How much should I save for a house down payment?<\/button>\n            <\/h3>\n            <div class=\"drawer-content\">\n              <div>\n                <p><!-- wp:paragraph -->\n<p>20% is the recommended down payment amount in the United States. For a median value home in the U.S., that would be around $94,600. You can pay less than 20%, but you'll typically have to pay <a href=\"https:\/\/listwithclever.com\/real-estate-blog\/low-or-no-pmi-mortgage-programs\/\" target=\"_blank\" rel=\"noreferrer noopener\">private mortgage insurance<\/a> (PMI) on the loan. <\/p>\n<!-- \/wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>The Federal Housing Administration (FHA) offers loans with lower down payment options \u2014 3.5% and 10%, depending on your credit score and other <a href=\"https:\/\/listwithclever.com\/real-estate-blog\/fha-mortgage-requirements\/\" target=\"_blank\" rel=\"noreferrer noopener\">FHA requirements<\/a>. <\/p>\n<!-- \/wp:paragraph -->\n<\/p>\n              <\/div>\n            <\/div>\n          <\/div>\n                  <div class=\"drawer-panel\">\n            <h3>\n              <button class=\"drawer-trigger\">How long does it take to buy a house?<\/button>\n            <\/h3>\n            <div class=\"drawer-content\">\n              <div>\n                <p><!-- wp:paragraph -->\n<p>From accepted offer to closing day, buying a house in the United States typically takes around 35 days. Cash offers can close even faster since they skip the mortgage process entirely.<\/p>\n<!-- \/wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>To keep things moving quickly, have your financial documents ready, respond promptly to your lender's requests, and choose an experienced team (realtor, lender, and inspector). <\/p>\n<!-- \/wp:paragraph -->\n<\/p>\n              <\/div>\n            <\/div>\n          <\/div>\n                  <div class=\"drawer-panel\">\n            <h3>\n              <button class=\"drawer-trigger\">What are the steps to buying a house?<\/button>\n            <\/h3>\n            <div class=\"drawer-content\">\n              <div>\n                <p><ol>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Save for a down payment.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Find a local real estate agent.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Get pre-approved.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Find the right location.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Start your home search.\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Draft and submit an offer.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Negotiate with the seller.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Get a home appraisal, inspection, and title search.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Do a final walkthrough.\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Close on your home.<\/span><\/li>\n<\/ol>\n<\/p>\n              <\/div>\n            <\/div>\n          <\/div>\n            <\/div>\n  \n\n\n<h2 class=\"wp-block-heading\" id=\"why-trust-us\">Why trust us?<\/h2>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Data sources<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">To create this United States home-buying guide, our team gathered mortgage rate data from Freddie Mac, and home loan information from multiple government websites. Information on market conditions is based on <a href=\"https:\/\/www.zillow.com\/research\/data\/\" target=\"_blank\" rel=\"noreferrer noopener\">Zillow<\/a> data as of May 2026, <a href=\"https:\/\/www.realtor.com\/\" target=\"_blank\" rel=\"noreferrer noopener\">Realtor.com<\/a> data as of May 2026, and <a data-type=\"link\" data-id=\"https:\/\/listwithclever.com\/clever-market-pulse\/\" href=\"https:\/\/listwithclever.com\/clever-market-pulse\/\" target=\"_blank\" rel=\"noreferrer noopener\">Clever Market Pulse<\/a> data as of&nbsp;June 26, 2026.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">As our primary sources update, we refresh the data in our series accordingly. As always, we recommend consulting with a real estate agent to learn more about local housing data and developments within your market.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>About Clever Real Estate<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Clever strives to provide our readers with the most up-to-date, accurate, and useful information. We\u2019ve earned buyers\u2019 trust with a<a href=\"https:\/\/www.trustpilot.com\/review\/listwithclever.com\" target=\"_blank\" rel=\"noreferrer noopener nofollow\"> 5-out-of-5-star rating on Trustpilot<\/a> and over 3,300 customer reviews.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Our team of industry-leading researchers is committed to making homeownership more accessible by educating buyers through guides like this one. We've spent thousands of hours analyzing publicly available data, surveying consumers, and interviewing industry experts. Our research has been featured in <em>The New York Times<\/em>, <em>Business Insider<\/em>, Inman, HousingWire, and many more.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Related articles<\/h2>\n\n\n<!--blockstudio\/acf\/related-posts-->  <div class=\"related-posts\">\n          <a class=\"related-post\" href=\"https:\/\/listwithclever.com\/real-estate-blog\/cost-to-buy-house\/\">\n                  <div class=\"related-image\">\n            <img loading=\"lazy\" decoding=\"async\" width=\"768\" height=\"512\" src=\"https:\/\/listwithclever.com\/wp-content\/uploads\/afd8efe0-3647-11eb-810b-1546423a80f5-1607096705208-1.jpg\" class=\"attachment-medium_large size-medium_large wp-post-image\" alt=\"\" srcset=\"https:\/\/listwithclever.com\/wp-content\/uploads\/afd8efe0-3647-11eb-810b-1546423a80f5-1607096705208-1.jpg 768w, https:\/\/listwithclever.com\/wp-content\/uploads\/afd8efe0-3647-11eb-810b-1546423a80f5-1607096705208-1-360x240.jpg 360w\" sizes=\"auto, (max-width: 768px) 100vw, 768px\" \/>          <\/div>\n                <div class=\"related-info\">\n          <h4 class=\"related-title\">\n              The True Cost to Buy a House in 2026 (With Real Numbers)          <\/h4>\n          <div class=\"related-excerpt\">\n            Buying a house costs more than just the down payment. Here's a comprehensive look at all the expenses associated with buying a house.          <\/div>\n        <\/div>\n      <\/a>\n          <a class=\"related-post\" href=\"https:\/\/listwithclever.com\/average-real-estate-commission-rates-in-every-state\/\">\n                  <div class=\"related-image\">\n            <img loading=\"lazy\" decoding=\"async\" width=\"768\" height=\"768\" src=\"https:\/\/listwithclever.com\/wp-content\/uploads\/483f3430-a86f-11eb-8b80-3953b43c1065-Average-Real-Estate-Commission-Rates-in-Every-State-768x768.jpg\" class=\"attachment-medium_large size-medium_large wp-post-image\" alt=\"\" srcset=\"https:\/\/listwithclever.com\/wp-content\/uploads\/483f3430-a86f-11eb-8b80-3953b43c1065-Average-Real-Estate-Commission-Rates-in-Every-State-768x768.jpg 768w, https:\/\/listwithclever.com\/wp-content\/uploads\/483f3430-a86f-11eb-8b80-3953b43c1065-Average-Real-Estate-Commission-Rates-in-Every-State-300x300.jpg 300w, https:\/\/listwithclever.com\/wp-content\/uploads\/483f3430-a86f-11eb-8b80-3953b43c1065-Average-Real-Estate-Commission-Rates-in-Every-State-150x150.jpg 150w, https:\/\/listwithclever.com\/wp-content\/uploads\/483f3430-a86f-11eb-8b80-3953b43c1065-Average-Real-Estate-Commission-Rates-in-Every-State.jpg 810w\" sizes=\"auto, (max-width: 768px) 100vw, 768px\" \/>          <\/div>\n                <div class=\"related-info\">\n          <h4 class=\"related-title\">\n              Average Real Estate Commission By State in 2024          <\/h4>\n          <div class=\"related-excerpt\">\n            The average real estate commission rate in the U.S. is 5.49% but varies by state. What's the average commission rate in your state?          <\/div>\n        <\/div>\n      <\/a>\n          <a class=\"related-post\" href=\"https:\/\/listwithclever.com\/real-estate-blog\/first-time-homebuyer-programs\/\">\n                  <div class=\"related-image\">\n            <img loading=\"lazy\" decoding=\"async\" width=\"768\" height=\"512\" src=\"https:\/\/listwithclever.com\/wp-content\/uploads\/7cf51f70-cb42-11e9-9a56-cf16cd66e478-first_time_homebuyer_programs_everyone_should_know_about-ogid-123608-768x512.jpg\" class=\"attachment-medium_large size-medium_large wp-post-image\" alt=\"\" srcset=\"https:\/\/listwithclever.com\/wp-content\/uploads\/7cf51f70-cb42-11e9-9a56-cf16cd66e478-first_time_homebuyer_programs_everyone_should_know_about-ogid-123608-768x512.jpg 768w, https:\/\/listwithclever.com\/wp-content\/uploads\/7cf51f70-cb42-11e9-9a56-cf16cd66e478-first_time_homebuyer_programs_everyone_should_know_about-ogid-123608-360x240.jpg 360w, https:\/\/listwithclever.com\/wp-content\/uploads\/7cf51f70-cb42-11e9-9a56-cf16cd66e478-first_time_homebuyer_programs_everyone_should_know_about-ogid-123608-300x200.jpg 300w, https:\/\/listwithclever.com\/wp-content\/uploads\/7cf51f70-cb42-11e9-9a56-cf16cd66e478-first_time_homebuyer_programs_everyone_should_know_about-ogid-123608.jpg 810w\" sizes=\"auto, (max-width: 768px) 100vw, 768px\" \/>          <\/div>\n                <div class=\"related-info\">\n          <h4 class=\"related-title\">\n              First-Time Homebuyer Programs Everyone Should Know About          <\/h4>\n          <div class=\"related-excerpt\">\n            Buying your first home feels more possible when you get help from a first-time homebuyer program. Here are 7 good ones to explore.          <\/div>\n        <\/div>\n      <\/a>\n          <a class=\"related-post\" href=\"https:\/\/listwithclever.com\/real-estate-blog\/how-to-purchase-a-foreclosure\/\">\n                  <div class=\"related-image\">\n            <img loading=\"lazy\" decoding=\"async\" width=\"768\" height=\"407\" src=\"https:\/\/listwithclever.com\/wp-content\/uploads\/599d41e0-e628-11ea-83a0-a96978424f33-shutterstock386723086-768x407.jpg\" class=\"attachment-medium_large size-medium_large wp-post-image\" alt=\"\" srcset=\"https:\/\/listwithclever.com\/wp-content\/uploads\/599d41e0-e628-11ea-83a0-a96978424f33-shutterstock386723086-768x407.jpg 768w, https:\/\/listwithclever.com\/wp-content\/uploads\/599d41e0-e628-11ea-83a0-a96978424f33-shutterstock386723086-360x191.jpg 360w, https:\/\/listwithclever.com\/wp-content\/uploads\/599d41e0-e628-11ea-83a0-a96978424f33-shutterstock386723086-300x159.jpg 300w, https:\/\/listwithclever.com\/wp-content\/uploads\/599d41e0-e628-11ea-83a0-a96978424f33-shutterstock386723086.jpg 810w\" sizes=\"auto, (max-width: 768px) 100vw, 768px\" \/>          <\/div>\n                <div class=\"related-info\">\n          <h4 class=\"related-title\">\n              How to Buy Foreclosed Homes in 2026          <\/h4>\n          <div class=\"related-excerpt\">\n            Learn how to buy foreclosed homes, including the pros and cons of the process, and how foreclosure laws affect your purchase.          <\/div>\n        <\/div>\n      <\/a>\n          <a class=\"related-post\" href=\"https:\/\/listwithclever.com\/research\/best-places-to-live-in-the-us\/\">\n                  <div class=\"related-image\">\n            <img loading=\"lazy\" decoding=\"async\" width=\"768\" height=\"432\" src=\"https:\/\/listwithclever.com\/wp-content\/uploads\/Shutterstock_1506382601-768x432.jpg\" class=\"attachment-medium_large size-medium_large wp-post-image\" alt=\"\" srcset=\"https:\/\/listwithclever.com\/wp-content\/uploads\/Shutterstock_1506382601-768x432.jpg 768w, https:\/\/listwithclever.com\/wp-content\/uploads\/Shutterstock_1506382601-360x203.jpg 360w, https:\/\/listwithclever.com\/wp-content\/uploads\/Shutterstock_1506382601-1024x576.jpg 1024w, https:\/\/listwithclever.com\/wp-content\/uploads\/Shutterstock_1506382601.jpg 1200w\" sizes=\"auto, (max-width: 768px) 100vw, 768px\" \/>          <\/div>\n                <div class=\"related-info\">\n          <h4 class=\"related-title\">\n              The Best (and Worst) Places to Live in 2024, According to Americans          <\/h4>\n          <div class=\"related-excerpt\">\n            Tampa is the best city in the United States, according to a new survey of 1,000 Americans. Find out how your city compares.          <\/div>\n        <\/div>\n      <\/a>\n          <a class=\"related-post\" href=\"https:\/\/listwithclever.com\/real-estate-blog\/real-estate-investing-guide\/\">\n                  <div class=\"related-image\">\n            <img loading=\"lazy\" decoding=\"async\" width=\"768\" height=\"384\" src=\"https:\/\/listwithclever.com\/wp-content\/uploads\/8f57b1c0-8aee-11ea-8e16-e7cd20df21fe-REInvestingGuideHeader-768x384.png\" class=\"attachment-medium_large size-medium_large wp-post-image\" alt=\"\" srcset=\"https:\/\/listwithclever.com\/wp-content\/uploads\/8f57b1c0-8aee-11ea-8e16-e7cd20df21fe-REInvestingGuideHeader-768x384.png 768w, https:\/\/listwithclever.com\/wp-content\/uploads\/8f57b1c0-8aee-11ea-8e16-e7cd20df21fe-REInvestingGuideHeader-360x180.png 360w, https:\/\/listwithclever.com\/wp-content\/uploads\/8f57b1c0-8aee-11ea-8e16-e7cd20df21fe-REInvestingGuideHeader-300x150.png 300w, https:\/\/listwithclever.com\/wp-content\/uploads\/8f57b1c0-8aee-11ea-8e16-e7cd20df21fe-REInvestingGuideHeader.png 810w\" sizes=\"auto, (max-width: 768px) 100vw, 768px\" \/>          <\/div>\n                <div class=\"related-info\">\n          <h4 class=\"related-title\">\n              Real Estate Investing - A Complete Guide To Getting Started          <\/h4>\n          <div class=\"related-excerpt\">\n            Learn about investing in real estate as an active investor with rental properties or flipping houses, or as a passive investor in REITs, mutual funds, or online platforms          <\/div>\n        <\/div>\n      <\/a>\n      <\/div>\n\n\n\n<p class=\"wp-block-paragraph\"><div id=\"article-sources\" class=\"brxe-block faq-wrapper\"><h3 class=\"brxe-heading faq-question\">Article Sources<\/h3><div class=\"brxe-div faq-answer\"><div class=\"single-source\"><span class=\"sources-citation-number\">[1] <\/span>Best Interest Financial \u2013 <a target=\"_blank\" rel=\"noopener noreferrer nofollow\" href=\"https:\/\/bestinterest.com\/research\/how-much-does-it-cost-to-buy-a-house\/\">&quot;2026 Data: Buying a Home Costs $32,000 in Extra Costs Beyond the Down Payment&quot;<\/a>. Updated March 16, 2026.<\/div><div class=\"single-source\"><span class=\"sources-citation-number\">[2] <\/span>Freddie Mac \u2013 <a target=\"_blank\" rel=\"noopener noreferrer nofollow\" href=\"https:\/\/www.freddiemac.com\/pmms\">&quot;U.S. Mortgage Rates&quot;<\/a>.<\/div><div class=\"single-source\"><span class=\"sources-citation-number\">[3] <\/span>HomeAdvisor \u2013 <a target=\"_blank\" rel=\"noopener noreferrer nofollow\" href=\"https:\/\/www.homeadvisor.com\/cost\/inspectors-and-appraisers\/hire-a-property-appraiser\/\">&quot;How Much Does a Home Appraisal Cost?&quot;<\/a>. Updated March 26, 2026.<\/div><div class=\"single-source\"><span class=\"sources-citation-number\">[4] <\/span>HomeAdvisor \u2013 <a target=\"_blank\" rel=\"noopener noreferrer nofollow\" href=\"https:\/\/www.homeadvisor.com\/cost\/inspectors-and-appraisers\/hire-a-home-inspector\/\">&quot;How Much Does a Home Inspection Cost?&quot;<\/a>. Updated March 26, 2026.<\/div><\/div><\/div><\/p>\n","protected":false},"excerpt":{"rendered":"<p>In this guide, we cover how to buy a house, including how to afford a down payment, go house hunting, and negotiate with sellers.<\/p>\n","protected":false},"author":87,"featured_media":26008,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[142],"tags":[198,144,263],"class_list":["post-16040","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-real-estate-blog","tag-buying-a-house","tag-home-buying","tag-the-home-buying-process"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.9 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>How to Buy a House in 2026: A 10-Step Guide<\/title>\n<meta name=\"description\" content=\"In this 10-step guide, we cover how to buy a house, including how to afford a 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She has over 5 years of experience in writing, editing, and research, specializing in personal finance, investing, and real estate topics.\u00a0 Before joining Clever, Hannah co-launched Greatness.com\u00a0\u2014 a digital publication that covers a variety of self-improvment topics, including real estate investing, personal budgeting, and resolving debt. She also worked with Gusto to update their Partner Resources Blog with over 200 articles that cover topics like cloud accounting, CPA ethics, and more. \u00a0 Expertise:\u00a0Discount real estate brokers; flat fee MLS companies; first-time home selling; first-time home buying Education:\u00a0B.A. in English from Samford University; Samford Unversity Fellow\u00a0 Find more from Hannah \u2022 Linkedin Recommended reading \u2022 Discount Real Estate Brokers |\u00a0How to Find a Top Realtor for Less: Why pay full commission on your home sell when you could pay less for the same quality service? We found the best discount realtors nationwide that offer lower listing fees.\u00a0 \u2022 Average Real Estate Agent Commission Rates (2024 Update): Commission rates vary by location, but it's important to know the average so you can negiotate with your agent and make the best choice. Read this article to learn about 2024 agent commission rates.\u00a0 \u2022 How Much Does It Cost to Sell a House? It takes money to sell your home, but how much? 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