🏡 Are You TRULY Ready to Buy a House? – The Ultimate Quiz 🏡

Buying a home is a huge step, and let’s be honest—some of us are more prepared than others. Take this highly scientific (not really) quiz to see if you’re ready to sign those mortgage papers or if you should stick to renting for a bit longer.

1. How much money do you have saved for a down payment?

• A) More than 20% because I like to plan ahead.
• B) Around 10%, and I’m working on it!
• C) Whatever’s left after I splurged on that vacation to Italy.
• D) Down payment? Can I put it on a credit card?

2. Do you know what an escrow account is?

• A) Of course! It’s where my property taxes and insurance payments go.
• B) Uh… something the bank handles, right?
• C) Is that like Venmo?
• D) Sounds like a medieval weapon.

3. What’s your plan if your water heater explodes?

• A) I have an emergency fund for repairs.
• B) Call my dad and panic.
• C) Shower at the gym indefinitely.
• D) Move out and never return.

4. How often do you impulse buy?

• A) Rarely—I stick to my budget.
• B) Sometimes, but I try to be responsible.
• C) I own three air fryers and a life-size cutout of Ryan Reynolds.
• D) I once bought a goat online at 2 a.m.

5. How stable is your job?

• A) I’ve been in my career for years and feel secure.
• B) I just got a promotion and things are looking good!
• C) I work freelance and have good vibes about it.
• D) I quit last week to “find myself.”

6. Do you know how much property taxes are in your area?

• A) Yes, I’ve factored them into my budget.
• B) I have a rough idea.
• C) No, but how bad could they be?
• D) Wait, I have to pay extra taxes for owning a house??

7. If your neighbor starts a garage band and plays loud music every night, what do you do?

• A) Politely talk to them about it.
• B) Invest in noise-canceling headphones.
• C) Passive-aggressively blast classical music at 6 a.m.
• D) Sell the house and leave immediately.

8. How do you feel about yard work?

• A) I actually enjoy mowing the lawn and gardening!
• B) I’ll do it, but I’m not thrilled about it.
• C) Does hiring a kid from the neighborhood count?
• D) My plan is to let nature reclaim the land.

9. What’s your approach to home maintenance?

• A) I schedule routine maintenance and fix small problems before they become big ones.
• B) I handle things when they break, but I try my best.
• C) My strategy is duct tape and YouTube tutorials.
• D) If it’s not on fire, it’s fine.

10. How do you feel about committing to one place for several years?

• A) I’m ready to settle down!
• B) I think I can handle it, but it’s a little scary.
• C) I move apartments every year just for the thrill of it.
• D) I can’t even commit to a Netflix show.

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RESULTS

• Mostly A’s – You’re a homebuying rockstar! 🏡 You’ve done your research, saved your money, and are ready to take on the joys (and occasional headaches) of homeownership.
• Mostly B’s – You’re close! 🤔 A little more financial prep and research, and you’ll be good to go. Just make sure you understand all the costs involved before you dive in.
• Mostly C’s – Maybe pump the brakes. 🚦 You could buy a house, but you might want to work on budgeting, saving, and understanding what you’re getting into first.
• Mostly D’s – Please don’t buy a house yet. 🫣 At least not until you learn the difference between escrow and Excalibur.

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So, how did you do? Ready to buy or sticking with renting for now? Either way, take your time—homeownership isn’t a race! 😆