2026 Home-Buying Checklist: What You Need to Know Before You Start

Thinking about buying a home in 2026? You're not alone. Every year around this time, I start hearing from people who say, "Next year is the year I finally buy."

If that’s you, I’ve got good news: you don’t have to go it alone—and you don’t have to feel overwhelmed. Buying a home can be one of the most exciting (and empowering) things you'll ever do. But it does require planning, clarity, and a few key steps.

Here’s your step-by-step checklist to help you get ready to buy with confidence in 2026:

1. Get Pre-Approved Early

Start with your financing. A mortgage pre-approval tells you how much home you can afford—and shows sellers you’re serious.
Tip: Talk to a local lender who can help you understand your options. You may qualify for first-time buyer programs, grants, or low-down-payment loans you didn’t know existed.

2. Understand Your Budget (Beyond the Mortgage)

The purchase price is just one part of the equation. You’ll also want to budget for:

• Closing costs (typically 2–5% of the loan)

• Property taxes & homeowners insurance

• HOA fees (if applicable)

• Ongoing maintenance

Don’t forget: Just because you can afford a certain amount doesn’t mean it’s what you want to spend. Let’s find a monthly payment you’re truly comfortable with.

3. Make a “Must-Have” vs. “Nice-to-Have” List

Start defining what’s most important to you in a home:

• Location (schools, commute, neighborhood vibe)

• Home size & layout (bedrooms, bathrooms, office space)

• Features (yard, updated kitchen, garage, etc.)

• Long-term goals (starter home vs. forever home)

Knowing what you’re looking for helps us narrow your search faster—and avoids decision fatigue.

4. Understand the Timing

Wondering when to start the process? The spring and early summer months tend to have the most listings—but also the most competition.
That’s why starting early gives you an edge. You’ll be prepared to act quickly when the right home comes along.

5. Learn What to Expect at Each Step

Here’s a simplified version of the process:

1. Get pre-approved

2. Tour homes that fit your needs

3. Make an offer and negotiate

4. Complete inspections & due diligence

5. Finalize your loan

6. Close and get your keys!

Of course, there’s more nuance along the way, but that’s where I come in.

Ready to Buy in 2026?

Let’s have a quick strategy call. Whether you’re 30 days or 6 months out, I can walk you through the process, connect you with local lenders, and help you feel prepared—every step of the way.

Contact me today and let’s get you home in 2026.