Find housing counselor near you Step 2 Know your rights Fair Housing Equal Opportunity for All brochure Real Estate Settlement Procedures RESPA Borrowers rights Predatory lending Back to Top Step 6 Make an offer Discuss the process with your real estate agent.

Making an offer Step 7 home inspection Make your offer contingent on home inspection. Talk to several lenders, compare costs and interest rates, negotiate to better deal. Looking for the best mortgage shop, compare, negotiate brochure Let FHA help you Why Ask for an FHA Loan? Learn about interest only loans Step 4 Learn about homebuying programs Shop for home Make an offer home inspection Shop for homeowners insurance Sign papersStep 1 Figure out how much you can afford depends on your income, credit rating, current monthly expenses, downpayment and the interest rate.

Looking for the best mortgage shop, compare, negotiate brochure Let FHA help you HUDs special homebuying programs Good Neighbor Next Door formerly known as TeacherOfficerFirefighter Next Door Hurricane Evacuees discounted sales Homeownership for public housing residents Indian Home Loan Guarantee Program Section 184Step 5 Shop for home Choose real estate agent Wish list what features do you want?

Be sure to shop around.

Renting Home EconomicsNeed help with your downpayment andor closing costs? Homebuying programs in your stateFHA loan programs offer lower downpayments and are good option for firsttime homebuyers. Talk to several lenders, compare costs and interest rates, negotiate to better deal. Be sure to read everything before you sign! Settlement Costs and Helpful Information. If the seller counters your offer, you need to negotiate until you both agree to the terms of the sale.

The calculators below can help, but it is best to visit lender to find out for sure. For Your Protection Home Inspection Questions to ask home inspector Step 8 Shop for homeowners insurance Sign papersStep 1 Figure out how much you can afford depends on your income, credit rating, current monthly expenses, downpayment and the interest rate. An inspection will tell you about the condition of the home, and can help you avoid buying home that needs major repairs. Consider getting preapproved for loan.