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The Essential Checklist for Buying a House Without a Realtor

Buying a home is one of the most important decisions you’ll ever make in your life, but it can be daunting to go through the process without a realtor. You’ll need to research the market, find the right home for your needs and budget, and negotiate with the seller.

You’ll also need to understand financing, home inspections, and closing procedures. To make the process easier, we’ve put together this comprehensive Buying a House Without a Realtor Checklist.

This checklist will provide you with the important steps and considerations you’ll need to take, as well as helpful tips and resources to make sure you have a successful home-buying experience.

Buying a House Without a Realtor


  • Identify your budget and what you can afford.
  • Calculate the monthly mortgage payments and other costs associated with owning a home.
  • Determine the amount of down payment you can make.
  • Consider the costs of repairs, improvements, inspections, and closing costs.
  • Contact lenders to compare mortgage loan options.


  • Research different types of mortgage loans and lenders.
  • Compare loan options, interest rates, and other terms.
  • Contact lenders to get pre-approved for a loan.
  • Find out about any taxes and fees associated with the loan.
  • Consider if you need to purchase private mortgage insurance.

Home Inspections

  • Research and hire a qualified home inspector.
  • Conduct a thorough inspection of the home.
  • Ask the seller to make any necessary repairs.
  • Request a seller’s disclosure statement outlining known defects.


  • Research comparable homes in the area and home prices.
  • Make an offer on the home that is within your budget.
  • Negotiate with the seller on the price and other terms.
  • Make sure you understand the terms of the contract.


  • Research and hire a qualified closing attorney.
  • Schedule a closing date and time.
  • Review closing documents before signing.
  • Make sure all agreed upon repairs have been made.
  • Pay the closing costs and transfer the deed.

Post-Purchase Responsibilities

  • Contact your local government to transfer the deed.
  • Contact your insurance company for homeowner’s insurance.
  • Contact utility companies to transfer services.
  • Change your address with the post office.


Buying a house without a realtor is a big decision that can be intimidating and overwhelming, but it can also be a rewarding and financially beneficial experience.

Having a comprehensive checklist can help you navigate the process with confidence and ensure you have taken into account all the necessary steps and considerations.

With the right resources and guidance, you can be sure that you’re making the best decision for your financial future.