Set a clear down payment target
Determine your home price range
Calculate closing costs and moving costs
Open a dedicated house savings account
Automate transfers to savings
Build a monthly budget
Cut nonessential spending
Reduce dining out and subscriptions
Increase income with extra work or side jobs
Save tax refunds, bonuses, and gifts
Pay down high-interest debt
Improve your credit score
Avoid large new purchases
Keep an emergency fund separate
Use a high-yield savings account
Track progress regularly
Research first-time homebuyer programs
Save for both down payment and closing costs
Stay consistent with your savings plan