Budget an extra 2–5% of the home price for taxes, titles, and fees.

I can then calculate a and check for local buyer programs in your area.

Stop using standard savings accounts; use an HYSA to earn 4-5% interest.

Pay off high-interest credit cards first to improve your Debt-to-Income (DTI) ratio. 🏠 Understand the Real Costs

Allocate 50% to needs, 30% to wants, and 20% specifically to your house fund.

If your timeline is 2+ years, use Certificates of Deposit to lock in higher rates. ✂️ Reduce Major Expenses