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Buying a House & Financial Readiness

Buying a house involves a lot of decisions, time, and money. How can you tell if you are financially ready for such a purchase? While no one can make that choice for you, there are plenty of things to consider. Evaluate your financial readiness before buying a house to help avoid bankruptcy and credit card debt.

Our credit counseling advice is to consider these factors.

Our credit counseling advice is to consider these factors.

Buying a House: Financial Costs & Benefits

Everyone knows it’s expensive to buy a home or apartment. Here is a list of potential costs after you’ve signed all the papers. As you search for a new abode, keep these items in mind. Can your finances handle these additional costs?

Extra Costs of Buying a House or Apartment

  1. Maintenance costs
  2. Landscaping tools: lawn mowers, hoses, work gloves, hedge trimmers, etc
  3. Updating out of code items once you take possession of the property
  4. Household goods- supplies for more bathrooms, area rugs, light bulbs, lamps, curtains, etc
  5. Increase in utility costs
  6. Difference in commute and gas costs
  7. Appliance replacement and maintenance
  8. More furniture to fill up a larger space
  9. School and property taxes
  10. Debt for years to come
  11. Moving costs
  12. Increase in home insurance
  13. HOA fees
  14. Unexpected major home repairs

Financial Benefits and Ways to Reduce Debt

  1. The mortgage is actually lower than your rent- save the extra money or use towards debt management
  2. Buy a more energy efficient home
  3. Buying a house can be a good investment
  4. You may have more consistent expenses- no rent increases
  5. Control over all decisions!
  6. No pet deposit or security deposit to round up
  7. Ability to purchase quality appliances and materials when needed
  8. Paint and decorate however you like
  9. Purchase a smaller home or apartment that will cost less to maintain and buy
  10. Tax benefits like a deducting a home office and mortgage interest
  11. Sublet rooms or use Airbnb to help pay the mortgage off quicker
  12. Make extra mortgage payments to save thousands in interest and shave years off the loan term

Financially Ready to Buy a Home

As mentioned above, there are many costs as well as great reasons to own a home or apartment. If you have decided your finances can handle the risks, consider the following 5 financial readiness items:

  1. Saved enough for a down payment (20% requires no PMI but that doesn’t mean 5% down is no-go)
  2. Saved for additional maintenance costs
  3. Secure employment
  4. Long-term plans to live there for 5+ years
  5. No credit card or other major unsecured debt

Best case scenario: you can check all these boxes off with confidence. Some financial experts advise having no debt, good or bad, before trying to own a home. However, this is extremely difficult for most. Student loan debt and car loans are often the culprit. While these debts aren’t exactly negative, they probably take up a lot of room in the budget and carry risk if you should have any bumps in the road trying to pay them off. Evaluate your own unique situation on how to manage debt or seek a professional for some financial counseling.

Finally, you may have realized buying a house is not the right choice for you. This can be great motivation. Make it a financial goal you can work towards. Set up a plan and make it happen! If you are someone who likes to see new places or isn’t sure where you want to put down roots, waiting is most definitely in your favor.

If you’re struggling to pay off debt, ACCC can help. Schedule a free credit counseling session with us today.


Michelle is a regular contributor to Talking Cents. She has taken several financial courses on debt management and is ready to circulate what she has learned from them as well as lessons from her own life- family to DIY projects to student loan debt.

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