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First Home Buyer Checklist

Comprehensive checklist for navigating first home purchase step by step

First Home Buyer Checklist
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A thorough checklist covering every step for navigating first home purchase step by step.

Checklist Items

  • Review credit reports and scores (all 3 bureaus)
  • Calculate debt-to-income ratio
  • Save for down payment (3.5% FHA, 5-20% conventional)
  • Get pre-approved for mortgage (not just pre-qualified)
  • Research first-time buyer programs and down payment assistance
  • Hire buyer agent (interview at least 2)
  • Define needs vs. wants in a home
  • Research neighborhoods (schools, commute, crime, appreciation)
  • Tour homes and attend open houses
  • Make offer with pre-approval letter
  • Hire home inspector
  • Review inspection report and negotiate
  • Lock mortgage rate
  • Get homeowner insurance quotes
  • Review closing disclosure 3 days before closing
  • Do final walkthrough
  • Close and get keys

Print and check off items as you complete them.

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