How to Buy a House
A complete step-by-step guide to buying your first home in 2026 — from checking your credit score to getting the keys.
10 Steps3-6 Month ProcessUpdated 2026
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At a Glance
Total Timeline
3-6 Months
From first credit check to keys in hand
Down Payment
3-20%
Of purchase price (0% for VA/USDA)
Closing Costs
2-5%
Of purchase price, varies by state
Total upfront costs: Down payment (3-20%) + closing costs (2-5%) + cash reserves (2-6 months of payments). On a $350,000 home with 10% down, expect to need roughly $52,000-$70,000 in total cash.