To buy a house, first secure a mortgage pre-approval to understand your budget. Save for a down payment (typically 3-20% of the purchase price) and closing costs (averaging $5,000-$8,000). Work with a real estate agent to find properties, negotiate offers, and complete inspections. Finally, close the sale with a certified title company.

This process ensures financial readiness and streamlines the buying journey. A 2023 National Association of Realtors report found 30% of buyers cited pre-approval as critical for securing offers. The U.S. Census Bureau notes the median down payment was 6% in 2022, though conventional loans require 20% to avoid PMI. Saving for closing costs, which average 2-5% of the home price, is vital to avoid unexpected expenses. Real estate agents reduce buyer search time by 50%, per the National Association of Realtors, by leveraging market expertise. Pre-approval also increases offer acceptance rates by 40%, as shown by a 2023 Redfin study. Without these steps, buyers risk financial strain or missed opportunities.