Are you ready to buy a home?

Eight quick questions about your credit, savings, debts, income and plans. You’ll get a readiness score out of 100 and a plan that starts with your weakest areas.

8 questions · about 2 minutes · no signup needed

Question 1 of 8What’s your credit score, roughly?

Many banking apps and credit cards show it for free.

Question 2 of 8How much have you saved for a down payment and closing costs?

Compared with the price of home you have in mind.

Question 3 of 8After buying, how many months of expenses would you still have saved?

Your emergency fund for repairs, job changes and surprises.

Six months or moreThree to six monthsOne to three monthsLess than a month

Question 4 of 8How much of your monthly income (before taxes) goes to debt payments?

Car loans, student loans, credit card minimums and other loans. Not rent.

Question 5 of 8How steady is your income?

Lenders usually look at the last two years.

Same job or field for 2+ yearsSelf-employed 2+ years, with tax returnsNew job, but in the same fieldNew career, or self-employed less than 2 yearsBetween jobs or irregular income

Question 6 of 8How would a mortgage payment compare with your take-home pay?

Including taxes and insurance. Today’s rent is a good starting point.

Question 7 of 8How long do you plan to stay in your next home?

Buying and selling costs take a few years to earn back.

Question 8 of 8How far along are you?

I’m pre-approved by a lenderI’ve checked my credit and set a budgetI’ve been browsing listingsI’m just starting to think about it

Your answers aren’t saved or sent anywhere except to calculate your score. For education only; it isn’t a credit check or a loan approval.

What this quiz looks at

Each answer adds points toward a score out of 100, weighted by how much it matters:

Credit: up to 20 points
Down payment savings: up to 20 points
Safety cushion: up to 10 points
Debt: up to 15 points
Steady income: up to 10 points
Monthly budget: up to 10 points
Staying power: up to 5 points
Preparation: up to 10 points

Your results list the areas with the most room to improve, with the tools and guides for each. Retake it anytime to see your score climb.