Figuring out how much you can afford to spend on a house depends on your income,  expenses, credit score, and current interest rates. It is advisable to consult with a financial advisor or mortgage lender who can evaluate your financial situation and help you determine a suitable budget.

Buying a home involves various steps. It starts with the approval of the loan, hiring a real estate agent, looking for houses, making an offer, negotiating the terms, checking the house, getting a loan, and finally closing the deal.Each step requires careful consideration and may vary depending on your specific circumstances and local regulations.

Choosing between a newly built home or an existing one depends on what you like and what is important to you.New homes usually have modern features, are energy-efficient, and can be customized, but they might be more expensive. Existing homes might have more character, be in neighborhoods with a history, and could cost less. Think about what you need, how much you can spend, and what you like when deciding.

While choosing a neighborhood, ensure the factors such as proximity to schools, transportation, amenities, property values, and future development plans. Taking the time to be in the neighborhood, talking to people who live there, and doing some research online can give you an idea of what the community is like and how people live there.