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Buyer-agent compensation is negotiable and is set out in your written brokerage agreement. Ask which services are included, how compensation is calculated, when payment is due, and what you would owe if a seller or another party contributes less than the agreed amount. Do not assume buyer representation is free. Down-payment, loan closing, appraisal and inspection costs are separate; ask your lender about your transaction and seek legal advice on unclear contract terms.

Your required down payment depends on your loan program, eligibility, lender requirements and the property. Ask a licensed lender for current options and a written estimate separating your down payment, closing costs, mortgage insurance and cash reserves. Assistance programs have their own eligibility rules; approval and funding are not guaranteed. Compare the full monthly payment and cash needed to close, not just the minimum down payment.

Your home-buying timeline depends on finding a suitable property, negotiating an accepted contract, financing, inspections, appraisal and title work. Set the closing date with your broker, lender and title team after reviewing the contract deadlines. A cash purchase or completed financing preparation can change the process, but neither guarantees an immediate closing. Plan backup housing when your move date cannot change.

There is no single credit-score requirement that applies to every mortgage. Eligibility depends on the loan program and the lender's full review of your credit, income, debts, down payment and property. Ask a licensed lender to explain current requirements, compare written loan offers, and identify any steps needed before you apply. A quoted minimum score is not a guarantee of approval or a particular interest rate.

Choose the order after your lender confirms whether you qualify while owning both properties and how sale proceeds affect your next purchase. Selling first can release equity but creates a temporary-housing question; buying first requires a plan for overlapping payments and the risk that your current home takes longer to sell. Ask your broker about contract contingencies and timing, and get legal and tax advice for your circumstances. Keeping your current home as a rental also requires a review of financing, expenses and local rules.