: You will need funds for a down payment (typically 3%–20%), closing costs (2%–5% of the purchase price), and moving expenses.

: Total housing costs should generally remain below 28–30% of your gross monthly income . Beyond the mortgage, factor in property taxes, homeowners insurance, utilities, and a maintenance fund (ideally 1% of the home's value annually).

Phase 2: Building Your Team and Securing Financing (6–3 Months Out)