First-Time Buyer Questions You’re Afraid to Ask (But Should)

Buying your first home is a big leap, and it’s completely normal to have questions—especially the ones you might feel too embarrassed to ask. The truth is, every experienced homeowner has wondered about these same things at some point! Here’s a look at the questions first-time buyers are often afraid to voice, but absolutely should.

“Is my credit score good enough?”

Many buyers worry their credit score isn’t perfect. The good news? You don’t need a flawless score to buy a home. Lenders have options for a range of credit profiles, and a real estate agent or mortgage broker can help you understand where you stand and what steps to take if you need to improve.

“How much money do I really need for a down payment?”

There’s a common myth that you need 20% down, but plenty of programs let you buy with much less—sometimes as little as 3-5%. Ask about first-time buyer assistance programs in your area, too!

“What costs should I expect besides the down payment?”

It’s more than just the sticker price. Be sure to budget for closing costs, inspections, moving expenses, and possible repairs or updates. Your agent can help you estimate these so there are no surprises.

“What if I change my mind after making an offer?”

It happens! There are points in the process—like after an inspection—where you can back out, though there may be financial implications. It’s important to know your options and deadlines, so don’t hesitate to ask.

“How do I know if a neighborhood is right for me?”

Beyond the house itself, the neighborhood matters. Visit at different times of day, talk to locals, and research schools, amenities, and commute times. Your agent can provide insights, but your own gut feeling is just as valuable.

“Who pays the real estate agent?”

Usually, the seller covers the agent’s commission for both sides of the transaction. So, as a buyer, you typically don’t pay out of pocket for your agent’s help.

“Can I really ask any question?”

Absolutely! No question is too small or silly—your agent and lender are there to guide you. The more you ask, the more confident you’ll feel as you move toward homeownership.

Remember, everyone starts somewhere, and asking questions is a sign of a smart buyer. Don’t let fear keep you from getting the answers you need—your dream home is waiting!