It's Not Just the Down Payment

Closing costs, inspection fees, and moving expenses add up fast —
budget an extra few percent beyond your down payment.

Don't Max Out Your Pre-Approval

Just because a lender approves you for a certain amount doesn't
mean it's comfortable to actually pay every month.

Leave Room for the Unexpected

Older homes especially can surprise you. A small maintenance fund
after closing saves a lot of stress later.

Think Past Year One

Property taxes and insurance can shift. Ask your agent what to
expect beyond the first year, not just at closing.