Buying your first home involves programs and terminology that experienced buyers take for granted: down payment assistance, what pre-approval actually checks, how closing costs get calculated, and how long the process realistically takes from offer to keys. This category is built specifically for that first purchase, covering what to do before you start touring homes, which low-down-payment programs you might qualify for, and the steps between an accepted offer and closing day that catch first-time buyers off guard. It is written in order, so a first-time buyer can work through it from credit and savings through the closing table instead of hunting for one answer at a time. Start with the down payment assistance guide if saving 20% feels out of reach, or use the affordability calculator to see what you can realistically target.
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