Buying your first home is a major step. Make sure you’re ready by checking out NerdWallet’s list of things to think about:

• Know how much you can afford. Look at your finances so you can decide how big a down payment you can make and how much you can afford in mortgage costs.
•  Check your credit. Make sure you have a solid credit score before you start shopping for a house. Don’t apply for a new credit card or a loan while you’re looking for a mortgage—a lender’s hard inquiry can make your credit score drop.
•  Remember closing costs. Closing expenses can add up to 5 percent to your home purchase. Shop around to find the rate you can afford, and include that in your budget.
•  Save money for ancillary expenses. Once you’ve bought a house, you’ll undoubtedly have to pay for movers, new furnishings or appliances, painting, or any other changes you want to make before and after you move in.
•  Think long term. If you’re planning to start a family, choose a home with that in mind so you have the space and accommodations you need. You don’t want to have to move just a few years after buying your first house.