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5 Simple Steps for Saving for a House Down Payment

by Michael George November 6, 2020
written by Michael George November 6, 2020

 

In 2019, there were over one million first-time buyers in the U.S put down a low down payment mortgage.

With rent prices rising, it’s no surprise that people are tired of paying landlords and seeking their properties instead. But saving for a house down payment is overwhelming which is why we’ve compiled a step-by-step guide to help you.

1. Understand How Much to Save

Before you start saving for a house, you must have an estimate of the price of your dream home. Once that’s figured out, it’s easier to know how much your down payment will be.

In today’s market, buyers must put in a 20% down payment. Although it’s not the minimum, it will give you the best deals on properties.

While saving for your down payment, be patient, and work hard. Remember that the average time to save for a home is around two to three years, so don’t be too hard on yourself and rush the process.

2. Minimise Your Spending

One of the best saving tips is to cut out as many luxuries or nonessential purchases as possible. For instance, cancel your gym membership and invest in weights or go for a run.

Another way to save is to stop eating out as much and start cooking everything at home. And postpone your vacation after you’ve bought your dream property. These small sacrifices may be difficult at first but your savings will quickly add up.

3. Pause Saving for Your Retirement

This may sound counterintuitive but on average people put 15% of their income into their retirement pot. But if you suspend this payment for a year, you’ll see a massive boost to your savings.

And don’t worry, once you’ve bought your home you can grow your retirement funds again.

4. Start an Automated Savings Plan

To help with your financing, automate the saving process.

Plan what you need to save for a month so it can automatically transfer into your savings account. That way, you know what you can spend so you don’t splurge on unnecessary purchases.

5. Don’t Be Too Hard on Yourself

Regardless of how much your down payment is, don’t get frustrated if you can’t always stick to your saving plan.

You may face unexpected situations like your boiler or your car breaking so it’ll be harder to save that month. Because of this, it’s wise to have an emergency fund so you always have back up.

If you need extra help with money then check out these digital options.

That’s Everything to Know About Saving for a House Down Payment

Saving for a house down payment isn’t easy but if you follow these tips it’ll be far easier.

From slashing your spending to set up an automated payment, there are many ways to get your down payment in no time. Good luck!

Did you find this article helpful? If so, please check out our posts on everything from Technology to Payday loans.

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