: Sometimes sellers need time to move out after the sale; ensure any "post-occupancy" terms are in writing.

Buying a house is a multi-step financial journey that starts with assessment and ends with closing. Whether you can buy a house right now depends on your , savings , and local market conditions . 1. Financial Readiness Assessment

: While 20% avoids private mortgage insurance (PMI), many programs allow as little as 3.5% (FHA) or even 0% (VA/USDA).

: Your score determines your interest rate and loan options. Lenders use it to assess your risk.

: You can sometimes find homes by sending letters to owners in neighborhoods you like, though this is less common.

: Some countries, like Japan, have unique markets for "Akiya" (abandoned homes) that may be more affordable than major US cities. To help you get a clearer picture,