Your first home in Greater Sacramento

The First Home Plan, the first-time buyer guide. Free, and sent straight to your inbox.

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The number that matters

Most buyers need far less than they think. This is the math, on one page.

Down payment, FHA at 3.5% $17,500
Closing costs, about 3% $15,000
Seller credit you negotiate − $10,000
Cash to close $22,500

Example on a $500,000 home. Your lender's Loan Estimate gives your real numbers.

Inside the guide

Eight short chapters, written for Sacramento, Placer, and El Dorado counties.

  1. What it actually costs to buy hereDown payment options, closing costs, cash to close
  2. Getting loan-readyPre-approval, the documents list, credit from now to closing
  3. Help that existsCalHFA programs, local assistance, seller credits, rate buydowns
  4. The searchNeeds vs. wants and the tradeoffs this region asks you to make
  5. Writing an offer that worksEvery term in a California offer, in plain language
  6. Escrow, week by weekWhy day 17 matters, and what happens each week
  7. After you get the keysThe tax bill to save for and the form to send back
  8. Your next stepA 15-minute call to turn the guide into your plan
Most first-time buyers have done the math on rent for a year and still don't know the first real step. This guide is that step.

Shawnivan Hone · Real Estate Advisor with Real Broker · close to 10 years and nearly $200M in Greater Sacramento sales

Shawnivan Hone
Real Estate Advisor · DRE #02027593
Real Broker · DRE #02022092
916-945-1294 · shawnivan.com
Equal Housing Opportunity. Program details, income limits, and availability change and are confirmed by your lender. This guide is general information, not legal, tax, or lending advice.