: Aim for a DTI of 35% or lower , including your future mortgage payment. Avoid new debt, like car loans or credit cards, which can instantly disqualify you.
: Check your report at AnnualCreditReport.com months in advance to fix errors and ensure your score is at its peak. tips for saving for or buying a house
: Limit housing costs to 30% of your take-home pay . In 2026, experts specifically recommend "mortgage rehearsals"—saving the difference between your current rent and your projected mortgage for six months to test your budget. Strategic Saving Methods : Aim for a DTI of 35% or
While a 20% down payment is the gold standard for avoiding private mortgage insurance (PMI), many 2026 buyers qualify for programs requiring as little as . 2026 First-Time Home Buyer Mistakes (And How to Avoid Them) : Limit housing costs to 30% of your take-home pay
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