Buying a house in California follows nine steps: (1) check your budget and credit, (2) get pre-approved, (3) hire a local agent, (4) house hunt, (5) make an offer, (6) open escrow and deposit earnest money, (7) complete inspections and the appraisal, (8) finish loan underwriting, and (9) sign and close. From accepted offer to keys typically takes 21–45 days.
California’s market moves fast and prices are high, so the buyers who win are the ones who prepare before they shop. Here is the whole process in order.
Check your budget & credit
Estimate your price range with a home affordability calculator and pull your credit. Fixing errors now protects your rate.
Get pre-approved
A pre-approval tells you the real number and makes your offer credible. Self-employed? Ask about bank-statement options.
Hire a local agent
A buyer’s agent who knows your submarket is usually paid from the transaction and guides pricing and negotiation.
House hunt
Tour homes in your range, factoring commute, schools, HOA dues, and insurance (a real cost in many California ZIP codes).
Make an offer
Your agent submits a written offer with price, contingencies, and your pre-approval. Expect counters in competitive areas.
Open escrow & deposit earnest money
Once accepted, you open escrow and wire earnest money (often 1–3%) to show you’re serious.
Inspections & appraisal
A home inspection checks condition; the lender’s appraisal confirms value. Both can reopen negotiation.
Loan underwriting
Underwriting verifies income, assets, and the property. Respond fast to document requests to stay on schedule.
Sign & close
You review the Closing Disclosure, sign, funds record, and the home is yours.
Bottom line: The single biggest advantage in a California offer is a real pre-approval from a broker who can shop your file. Start yours free before you tour homes.
Frequently asked questions
How long does it take to buy a house in California?
From accepted offer to closing is usually 21–45 days; the whole journey including shopping can take a few months. A well-prepared, pre-approved buyer closes faster.
How much do I need to buy a house in California?
You need a down payment (as little as 3–3.5% on many programs, though more is common), closing costs (roughly 2–5%), and reserves. First-time buyers may qualify for down-payment assistance.
What credit score do I need to buy a house in California?
FHA allows 580 (sometimes 500 with more down); conventional typically wants 620+. Higher scores earn better rates. See our guide on improving your score before you apply.
Do I need a 20% down payment in California?
No. Many California buyers put down 3–5%; 20% simply avoids mortgage insurance. Assistance programs and low-down options make homeownership reachable with far less.
Save Financial, Inc. — NMLS #377740, DRE #01875766. Equal Housing Opportunity. Figures are illustrative for 2026 and not an offer of credit or a guarantee of rates or approval.