How ready are you, really?
Readiness isn't a single number — it's a combination of your finances, your timing, and how prepared you feel to make decisions. This short assessment rates you across seven dimensions so you can see where you're strong and where to focus, before you talk to a lender or tour a home.
Homebuyer Readiness Assessment
Rate each statement 1 (not ready) to 5 (fully ready).
Credit
My reports are reviewed, accurate, and my score is where it needs to be.
Cash
I have savings for a down payment, closing costs, and reserves.
Income
My income is stable, documented, and sufficient.
Debt
My debt-to-income ratio is healthy and manageable.
Timing
I expect to stay in the home long enough to make buying worthwhile.
Knowledge
I understand the steps from pre-approval to closing.
Confidence
I can make decisions without feeling rushed or pressured.
Your readiness score
21 / 35
Solid foundation
You have a solid base with a few areas to strengthen. Focus on your lowest-scoring dimension next.
Focus next: Credit — Stage 2: Prepare Your Credit and Finances.
This is a self-assessment for educational planning, not a lending decision.
Inputs
- Credit — my reports are reviewed, accurate, and my score is where it needs to be.
- Cash — I have savings for a down payment, closing costs, and reserves.
- Income — my income is stable, documented, and sufficient.
- Debt — my debt-to-income ratio is healthy and manageable.
- Timing — I expect to stay in the home long enough to make buying worthwhile.
- Knowledge — I understand the steps from pre-approval to closing.
- Confidence — I can make decisions without feeling rushed or pressured.
How it works
- Each statement is self-rated 1 (not ready) to 5 (fully ready).
- Total score ranges from 7 to 35.
- 30+ — Strong readiness across the board. Suggest jumping to Stage 4 (Mortgage Options) or Stage 5 (Assemble Your Team).
- 20–29 — Solid foundation, a few areas to strengthen. Suggest reviewing the lowest-scoring dimension's matching Learning Center stage.
- Below 20 — Early stage. Suggest starting at Stage 1.
What you'll see
Total score, a one-line readiness label, and a recommended next Learning Center stage based on your lowest individual score.