In 2026, home prices and mortgage rates remain high, though some areas see price declines. Key steps to buying a home include defining goals, saving for a down payment (often less than 20%), checking credit, setting a realistic budget, getting preapproved for a mortgage, finding a local agent, making an offer, scheduling inspections, finalizing the mortgage, doing a final walk-through, and closing. Budget for extra costs like taxes, insurance, and maintenance.
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