How much money do I need saved to start?

How much you need saved to start depends on the loan program you qualify for, since some options require a much smaller down payment than others, plus enough set aside for closing costs and a reserve after you move in. FHA and VA loans in particular can lower the upfront cash needed compared to a conventional loan with a larger down payment. A lender can give you an exact number once they review your income, credit, and the loan program that fits. Joel Boss can connect you with a lender before you tour so you know your real number.