Preparing To Buy A House -

: Keep a 40% income buffer for savings and other life goals.

: Aim for this down payment to avoid Private Mortgage Insurance (PMI). preparing to buy a house

Buying a home is likely the biggest financial move you'll ever make. In the 2026 market, where inventory remains tight and interest rates are stabilizing, being "ready" means more than just having a down payment—it means having a strategic, multi-phase plan. : Keep a 40% income buffer for savings and other life goals

: Ensure your monthly payment (EMI) is under 30% of your gross income. preparing to buy a house

Before looking at a single listing, you must prove to lenders that you are a "safe bet".

🏗️ Phase 1: The Financial Foundation (6–12 Months Out)