9 Non-Negotiable Questions to Ask Your Partner Before Buying a Home in 2025
Buying your first home together is a big deal—and an exciting one! But before you fall in love with a cute bungalow or start dreaming about open floor plans, it’s time to get honest with each other.
Here are 9 questions every couple should ask before diving into the homebuying process in 2025. Think of it as your real estate relationship check-in 👇🏻
1. How much can we realistically save for a down payment?
Sure, the minimum down payment for many first-time buyers is around 3%, but most people end up putting down about 6%.
This number is different for everyone. Be honest about what’s doable for you—and how long it’ll take to get there.
2. Have we proactively checked our credit reports?
Before a lender does it for you, take a look yourselves. Mistakes happen more often than you think, and they can impact your interest rate—or even approval.
💡 Need a link to a legit free credit report source? DM us—we’ve got you.
3. What’s our combined take-home pay?
Lenders base their decision on your gross income, but you should be budgeting based on your net (after taxes).
Knowing what you bring home each month will help you set a realistic mortgage budget.
4. How much can we comfortably afford to pay in a monthly mortgage?
Start from your actual income (#3), then factor in:
Utilities
Insurance
Internet
HOA (if applicable)
Groceries & lifestyle
Pick a monthly number that won’t keep you up at night. That’s your sweet spot.
5. Are we prepared for maintenance and repairs?
Being a homeowner means no more calling the landlord when something breaks.
We recommend having 3–6 months of living expenses saved as an emergency fund—just in case the water heater quits or the roof leaks.
6. Do we have move-in expenses saved?
Moving is exciting, but it can also nickel-and-dime you. Budget an extra $1,000–$3,000 for:
Movers or a rental truck
Tools and furniture
Lawn equipment
Light fixtures or paint
Little things add up quickly—be ready.
7. Are we prepared to pay closing costs on top of the down payment?
Many first-time buyers forget about this! Closing costs are usually 1–6% of the purchase price and vary by state.
📩 DM us if you want a list of average closing costs by state—we’ve got you covered.
8. What does our lease say about moving out?
Read the fine print on your lease now, not later.
When does it officially end?
Is there a penalty for breaking it early?
Can you go month-to-month?
Knowing this upfront helps you time your purchase smartly.
9. Have we narrowed down our location?
This is arguably the most important decision.
Are you dreaming of the coast, craving a walkable downtown, or wanting space in the suburbs? Talk it out and start narrowing your search early—it’ll make the rest of the process so much smoother.
Buying a home in 2025? Don’t rush it. Sit down, ask these 9 questions, and make sure you and your partner are aligned. You’ll thank yourselves later.
Need help navigating the process or curious about what you can afford?