Start with the monthly picture
Write down the monthly amount that leaves room for the rest of your life. Ask a licensed lender to compare financing options and explain the assumptions in a written estimate. Use the ownership calculator to make a separate allowance for maintenance, utilities, HOA dues, taxes, and insurance.
Build a short, useful wish list
Separate non-negotiables from nice-to-haves. Decide which features you can change later and which depend on the address, lot, or building. Use your actual destinations to test whether a location fits.
Ask before you sign
Ask your agent to explain the representation agreement, compensation, offer terms, deadlines, inspections, and contingencies. Make a list of the questions that need a lender, inspector, attorney, insurer, or tax professional.
Stay organized through closing
Keep a shared list of deadlines and documents with your professional team. Ask who is responsible for each next step. Confirm wire instructions using an independently verified phone number before transferring funds.