STEP-BY-STEP GUIDE
Homebuying Checklist
Use this checklist to organize the financial and practical steps that happen before you receive the keys.
Apply Now →1. Set your housing budget
Estimate a comfortable total monthly housing payment and leave room for savings, maintenance and other priorities.
2. Review credit and cash
Review your credit reports, estimate available funds for down payment and closing, and keep an emergency cushion.
3. Organize documentation
Gather income, employment, asset and identity documents that may be requested during the mortgage process.
4. Explore financing before shopping
Compare loan choices and consider preapproval before making offers so you understand your budget and financing position.
5. Recheck the numbers before an offer
Update estimated taxes, insurance, HOA costs, rate assumptions, down payment and closing costs for the specific property you are considering.
Planning tip: Use the educational tools on this site to prepare questions, then verify current loan terms, costs and eligibility with a licensed mortgage professional.