To buy a house as a married person alone, follow these steps: 1) Establish financial readiness by securing a stable income, building a down payment (typically 20% for conventional loans), and checking credit scores. 2) Consult a real estate attorney to clarify legal ownership, as marital status may affect property title and tax obligations. 3) Use a trust or legal document to ensure the property is solely in your name. 4) Work with a mortgage lender to secure financing, emphasizing documentation of financial independence. 5) Conduct a property inspection and secure insurance. 6) Complete the closing process with proper legal and financial coordination.

Financial readiness is critical, as mortgage lenders require proof of independent assets and income. Data from the Federal Housing Finance Agency (FHFA) shows that 20% down payments remain standard for conventional loans, with average credit scores for approved mortgages at 740 in 2023. Legal considerations are vital: married individuals buying property alone must address marital property laws, which vary by state. For example, community property states like California require spousal consent for certain transactions. A 2022 study by the National Association of Realtors (NAR) found that 35% of single buyers faced delays due to legal complexities, compared to 15% of married couples purchasing jointly. Mortgage rates averaged 7.0% in Q3 2023 (Freddie Mac), making pre-approval essential to avoid delays. Property inspections cost $300–$500 on average (HomeAdvisor), while title insurance adds 0.5–1% of the home’s value. Tax implications also differ; the IRS allows mortgage interest deductions for single filers, but married couples must file jointly or separately with adjusted limits. Combining these steps ensures compliance, avoids legal disputes, and secures financial stability.