Set the real budget
Start from the monthly total: mortgage, tax, insurance, HOA and utilities. Use our calculators and aim for a payment you can carry comfortably.
Get pre-approved
A lender reviews your income, credit and savings and gives a written pre-approval. It helps you choose a price range and makes your offer stronger.
Down payment and assistance
Down payments vary by loan type. Florida and local programs for first-time or qualifying buyers exist, such as Florida Housing's Hometown Heroes, but they have eligibility, income and occupation limits and usually require US citizenship or eligible residency; confirm with a lender.
Pick a building you can afford
Check HOA, reserves, special assessments and whether the building is approved for your loan type. Some low prices hide high fees.
Next steps
Choose an agent, tour properties, make an offer, inspect and close. Lidiya Tretyak is a licensed Florida real estate agent with Douglas Elliman and speaks English, Russian and Ukrainian; the first consultation is free.
This guide is general information, not legal or tax advice. Laws and programs change — confirm details with a Florida attorney and a US tax professional.
