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First-Time Homebuyer Programs in 2026: Grants, DPA, and Low-Down Loans
Featured Buyer Guide

First-Time Homebuyer Programs in 2026: Grants, DPA, and Low-Down Loans

Dozens of state and local programs exist to help first-time buyers cover down payments and closing costs. Most people don't know they qualify. Here's what's available.

Read Guide →9 min read · IHB Editorial
4 More Buyer Guides
Updated March 2026
Mortgage Pre-Approval: What It Is, What It Isn't, and How to Get One
Buyers

Mortgage Pre-Approval: What It Is, What It Isn't, and How to Get One

Pre-qualification is not pre-approval. Pre-approval is not a loan commitment. Understanding the difference can save you from losing a home you love.

7 min read · IHB Editorial→
Closing Costs for Buyers: The Complete Breakdown by State
Buyers

Closing Costs for Buyers: The Complete Breakdown by State

Buyers often budget for the down payment and forget about closing costs — typically 2–5% of the loan amount. Here's every line item and how to minimize them.

8 min read · IHB Editorial→
Home Inspection Checklist: 47 Things Your Inspector Should Check
Buyers

Home Inspection Checklist: 47 Things Your Inspector Should Check

A home inspection is your last line of defense against a money pit. Know what's being checked — and what questions to ask when the report comes back.

10 min read · IHB Editorial→
How to Make a Competitive Offer in 2026 (Without Overpaying)
Buyers

How to Make a Competitive Offer in 2026 (Without Overpaying)

The era of 30-offer bidding wars is mostly over — but competitive markets still exist. Here's how to structure an offer that wins without leaving money on the table.

8 min read · IHB Editorial→
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Buyer Roadmap6 steps
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Buyer Market Signals
Avg. 30-yr rate6.87%
Inventory (mo.)8.4 — buyer's mkt
Median days on mkt52 days
Price reductions23% of listings
Seller concessions$8K avg. credit
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