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A realistic readiness checklist
Understand the terms
Key distinctions buyers often miss
Down payment vs. cash to close
Your down payment is part of your cash to close, but not all of it. Closing costs, prepaid taxes, insurance, and (for some loans) upfront mortgage insurance add to the total you'll need at the table.
Prequalification vs. preapproval
Prequalification is a quick estimate. Preapproval is a stronger signal to sellers because it involves documented review. Neither is a guarantee of final approval.
FHA vs. conventional
FHA can help with modest down payments and flexible credit backgrounds but carries mortgage insurance considerations. Conventional offers a range of down payment and term options for qualified borrowers. We compare both honestly.
Taxes, insurance, HOA & mortgage insurance
Your full monthly payment is more than principal and interest. I help you estimate the complete picture so there are no surprises after closing.
Credit preparation
Steps that may help—without promises
Gift funds & down payment assistance
Some programs allow gift funds or assistance, but eligibility rules apply and assistance may carry repayment obligations. We'll confirm what's available for your program—not assume every option qualifies.
Negotiation options
Seller credits, price reductions, and rate buydowns are negotiation tools—but seller cooperation isn't guaranteed and program limits apply. With real estate experience since 2018, I can explain how these interact with your financing.
Not sure where to start? Take the readiness quiz
Answer a few honest questions about your timeline, savings, credit, and income. You'll get a personalized checklist you can download and keep—no contact info required, and it's a self-check, not a loan application.
Your personalized readiness checklist
Ready to talk through your situation?
Book a buyer consultation, or use a calculator to estimate your payment first.