---
title: "Buying a Home | HUD.gov"
url: https://stacklist.com/card/ec5c43a7-005d-4086-83f8-cc92678dae4c
source_url: "https://www.hud.gov/helping-americans/buying-a-home"
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summary: "Buying a Home provides comprehensive HUD resources and guidance for prospective homebuyers covering affordability assessment, legal rights, loan shopping, and available homebuying programs. The guide walks through nine essential steps from determining budget to closing, including information on FHA loans, fair housing practices, and special programs for first-time and underserved homebuyers."
tags: "homebuying, housing-guidance, fha-loans, mortgage, first-time-homebuyers, hud-resources, home-purchase"
key_entities: "HUD (organization), FHA (organization), Fair Housing (concept), RESPA (concept), Predatory lending (concept), Home inspection (concept), Good Neighbor Next Door (concept), Indian Home Loan Guarantee Program (concept)"
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# Buying a Home | HUD.gov

Buying a Home Thinking about buying a home? We have information that can help! Got questions? Talk to one of our housing counselors! Need Help? 1. Figure out how much you can afford What you can afford depends on your income, credit rating, current monthly expenses, downpayment and the interest rate. Home Economics Homebuying programs in your state Talk to a HUD-approved housing counseling agency 2. Know your rights Fair Housing: Equal Opportunity for All - brochure Real Estate Settlement Procedures Act (RESPA) Borrower's rights Predatory lending 3. Shop for a loan Looking for the best mortgage: shop, compare, negotiate - brochure Let FHA help you Learn about interest only loans 4. Learn about homebuying programs Homebuying programs in your state Let FHA help you (FHA loan programs offer lower downpayments and are a good option for first-time homebuyers!) HUD's special homebuying programs Good Neighbor Next Door (formerly known as Teacher/Officer/Firefighter Next Door) Homeownership for public housing residents Indian Home Loan Guarantee Program (Section 184) 5. Shop for a home Home-shopping checklist ? take this list with you when comparing homes Homes for sale (including HUD homes) Fixer-Uppers - home purchase and repair programs Manufactured homes Shopping for a Home FAQ’s 6. Make an offer Making an offer 7. Get a home inspection For Your Protection Get a Home Inspection 8. Shop for homeowners insurance Homeowners insurance What is homeowners insurance and why is it important? 9. Sign papers You're finally ready to go to "settlement" or "closing." Be sure to read everything before you sign! Getting ready to close