To purchase a home in California, U.S. residents must first secure pre-approval for a mortgage, then identify a property through licensed agents, submit competitive offers, and complete escrow with title insurance and inspections. Key steps include researching neighborhoods, understanding local taxes like Proposition 13, and budgeting for closing costs (typically 2-5% of the purchase price).

California’s housing market faces unique challenges, including a median home price of $835,000 (2023 Q3, California Association of Realtors), low inventory (1.2 months of supply), and strict regulations such as AB 1482 (rent control) and SB 9 (multi-unit zoning). Pre-approval is critical as 78% of sellers prioritize pre-approved buyers (Redfin, 2023). The median down payment for first-time buyers is 12%, but conforming loans (≤$766,550) require higher credit scores (620+). Escrow periods average 45 days, with title insurance costs ranging from $1,500–$3,000. These factors explain why 64% of buyers work with real estate agents to navigate complexities (National Association of Realtors, 2023). Additionally, Proposition 19’s tax relief for sellers transferring properties to family members has increased demand for inherited homes, accounting for 22% of transactions in 2023 (California Tax Board).