How to buy (and own) a home

Build your credit.

Get insights on credit scores and how they can affect your homebuying options.

Buy your first home.

Access articles, tools and resources to walk you through the first-time buying process.

Improve your home.

See an estimate of what your home project could cost, and your financing options.

Buy your next home.

Life changes and when it does, we have resources to help you plan your next move.

Get closer to your new home.

Are you ready to start taking steps toward a new home? If your answer is yes, get prequalified for a basic estimate of what you may be able to borrow in just a few minutes. Have you already found a home you love? Start your application process.

Get prequalified Start your application

Explore more homebuyer help.

Prepare for homeownership

How much house can you afford?

A general rule for lenders is that your monthly housing payment should not take up more than 28% of your income. However, home affordability is about more than just how much you can borrow.

Buy your first home

What’s a typical down payment amount?

Generally, the more you put down, the lower your interest rate and monthly payment. To get your lowest interest rate, having a down payment of 20% or more is typical. But having that much isn’t required.

Improve your home

Not sure what your home project may cost?

If you’re thinking about a home improvement project but not sure what it could cost, we’re happy to help. Just answer a few quick questions about your project to get a personalized estimate.

Take the next step

Prequalify
Start your application
Find a mortgage loan officer
Start of disclosure content

Disclosures

Loan approval is subject to credit approval and program guidelines. Not all loan programs are available in all states for all loan amounts. Interest rate and program terms are subject to change without notice. Mortgage, Home Equity and Credit products are offered through U.S. Bank National Association. Deposit products are offered through U.S. Bank National Association. Member FDIC.