The state offers robust, albeit competitive, assistance programs to bridge the affordability gap.

: Beyond the purchase price, prepare for California-specific expenses. Closing costs typically hover around 1.75% of the purchase price. You must also budget for property taxes, which are governed by Proposition 13 , limiting annual increases but often starting at a base rate of roughly 1.1% to 1.25% of the purchase price. 2. Leveraging First-Time Buyer Programs

: While basic home inspections are standard (averaging around $285), California buyers often benefit from specialized seismic or termite inspections. Summary Checklist for Buyers Key Action Why it Matters Preparation Get a Mortgage Pre-approval