Buying a Home
10 articles in Buying a Home
First-Time Home Buyer Programs: Grants, Loans, and Assistance by State
First-time home buyer programs offer grants, low-interest loans, and down payment help. Learn what's available by state and how to qualify in 2026.
Down Payment Assistance Programs: How to Get Help Buying a Home
Down payment assistance programs offer grants, forgivable loans, and deferred-payment help. Learn how to find and qualify for DPA in your state.
Mortgage Pre-Approval: What It Is, How to Get One, and Why It Matters
Mortgage preapproval tells you exactly what you can borrow. Learn the process, documents needed, credit impact, and how long it lasts in 2026.
Home Inspection: What It Covers, Costs, and Red Flags
A home inspection costs around $484 and can save you thousands. Learn what inspectors check, common red flags, and how to negotiate after findings.
Earnest Money: What It Is, How Much, and Can You Get It Back?
Earnest money is your good-faith deposit when buying a home, typically 1-3% of the price. Learn when you get it back, when you lose it, and how much to offer.
Real Estate Contingencies: How to Protect Yourself When Buying a Home
Real estate contingencies protect your earnest money and let you exit a deal. Learn the four main types, when to waive them, and the risks involved.
How Much House Can I Afford? Rules, Ratios, and Reality
The 28/36 rule says how much house you can afford, but lenders approve more than that. Learn the real math with worked examples at every income level.
Mortgage Points: Should You Buy Down Your Rate? When It's Worth It
Mortgage points cost 1% of your loan and lower your rate by about 0.25%. Learn the break-even math, when points save money, and when they don't.
Escrow: What It Is, How It Works, and Why Lenders Require It
Escrow accounts hold funds for property taxes and insurance as part of your mortgage payment. Learn how they work, why payments change, and how to opt out.
Closing Costs: What They Are, How Much to Expect, and Who Pays
Closing costs average $4,661 nationally but vary wildly by state. Learn every line item, who pays what, and how to negotiate them down.