Question 1

How much cash do I need saved six months before my lease ends?

Accepted Answer

Plan for more than the down payment. You may also need closing costs, earnest money, initial escrow deposits, moving expenses, immediate home costs, and emergency reserves. A lender can help confirm your cash target based on your market and loan type.

Question 2

Are there first-time homebuyer programs I should look into before my lease ends?

Accepted Answer

Yes. Six months gives you time to review state housing finance agency programs, down payment assistance, closing cost assistance, FHA loans, VA loans, and USDA loans if you may qualify. Some programs have income limits, homebuyer education requirements, or approved lender rules.

Question 3

Can you buy a house before your lease is up?

Accepted Answer

Yes, you can buy a house before your lease is up. Whether it makes financial sense depends on your lease terms, the cost of breaking the lease or subletting, your lender's treatment of remaining rent payments, and current market conditions.

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