To buy a house in the United States, follow these steps: secure a mortgage pre-approval, save for a down payment and closing costs, research neighborhoods and properties, make an offer, and complete the closing process. A pre-approval from a lender ensures you’re financially qualified and strengthens your offer. Save at least 20% of the purchase price for a conventional loan (lower percentages may apply for FHA or VA loans) and budget for additional costs like property taxes, insurance, and maintenance. Work with a real estate agent to identify suitable properties, negotiate offers, and navigate inspections or repairs. Finally, close the transaction with a licensed title company.

The process begins with mortgage pre-approval because it streamlines financing and increases seller confidence. According to the National Association of Realtors (NAR), 59% of homebuyers in 2023 obtained pre-approval before house hunting, compared to 47% in 2020, reflecting growing market competition. Pre-approval also helps buyers qualify for lower interest rates; Fannie Mae data shows borrowers with credit scores above 740 typically secure rates 0.5% below those with scores below 620. Saving for a down payment is critical, as 64% of first-time buyers used a down payment of 6% or less in 2023 (U.S. Census Bureau). However, smaller down payments often require mortgage insurance, which increases monthly payments. Researching neighborhoods ensures alignment with budget and lifestyle—Zillow reports that median home prices vary by 30% across U.S. counties. Negotiating offers and addressing inspection findings can save buyers thousands; a 2022 Redfin study found sellers accepted offers with repairs or credits averaging $10,000. Closing costs, typically 2-5% of the purchase price, are often overlooked but vital; the CFPB estimates these expenses average $5,000 for a $300,000 home. Together, these steps ensure financial readiness, competitive positioning, and a smooth transaction.