Stop using standard savings accounts; use an HYSA to earn 4-5% interest.
Set your payroll to deposit a portion directly into your house fund.
Pay off high-interest credit cards first to improve your Debt-to-Income (DTI) ratio. 🏠 Understand the Real Costs
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Allocate 50% to needs, 30% to wants, and 20% specifically to your house fund.
Budget an extra 2–5% of the home price for taxes, titles, and fees.
Aim for 20% to avoid PMI, but 3.5% (FHA) or 3% (Conventional) is often possible.