To complete a home purchase in San Diego, follow these steps: Secure pre-approval from a lender, hire a licensed real estate agent, make an offer through a written agreement, enter escrow for due diligence (inspections, appraisals, title search), negotiate terms, and close the transaction with final payments and keys.

The process begins with pre-approval to strengthen buyer credibility, as 65% of San Diego sellers prioritize pre-approved offers (San Diego Association of Realtors, 2023). A licensed agent provides access to properties, with 85% of buyers in San Diego using agency representation (California Association of Realtors, 2022). The escrow period averages 30–45 days, during which inspections reveal 12% of property issues (National Association of Home Inspectors, 2023). Appraisals typically match offers 98% of the time in San Diego’s competitive market (Federal Housing Finance Agency, 2023), though negotiations occur in 22% of cases. Closing costs average 2.5–3.5% of the purchase price, with first-time buyers paying $12,000–$18,000 (California Housing Finance Agency, 2023). San Diego’s median home price rose 8.7% year-over-year to $770,000 (Zillow, 2023), reflecting high demand and limited inventory. Timely communication with all parties ensures compliance with the 17-day notice requirement for property sales in California (California Civil Code § 710). Post-closing, buyers receive a clear title and property deed, securing legal ownership.

This structured approach mitigates risks and aligns with San Diego’s regulatory and market dynamics. Pre-approval reduces financing delays, while escrow safeguards buyer and seller interests. Data underscores the importance of professional representation and adherence to local timelines to navigate San Diego’s complex real estate landscape efficiently.