Here’s a First-Time Home Buyer Checklist for Humble, TX, tailored to the local market and common buyer concerns:

🏡 First-Time Home Buyer Checklist – Humble, TX

✅ 1. Understand Your Budget

• 💵 Get pre-approved by a local lender (recommended: someone familiar with Harris County guidelines)
• 📊 Know your monthly affordability (mortgage, insurance, taxes, utilities)
• 🔍 Be aware of property tax rates in Humble (can vary by neighborhood or MUD district)

✅ 2. Research Neighborhoods

Humble offers diverse communities with different vibes:

➡️ Visit neighborhoods at different times of day and check school ratings on GreatSchools.org

✅ 3. Hire a Local Real Estate Agent

• Choose an agent who knows Humble’s local subdivisions, HOAs, and builder reputations
• Look for a Certified Negotiation Expert (like Kimberly Berger!) to help you get the best deal
• Ask for guidance on first-time buyer programs (like TSAHC or Homes for Heroes)

✅ 4. Understand Total Costs

• 📝 Down Payment: Typically 3%–5% for first-time buyers
• 💰 Closing Costs: Usually 2%–5% of purchase price
• 🧾 Other Costs:
  • Home inspection
  • Survey fees
  • HOA dues (if applicable)
  • Title insurance
  • Escrow reserves

✅ 5. Inspect & Protect

• Always get a home inspection (budget $400–$600)
• Optional but smart: Termite, foundation, and roof inspections
• Ask for a home warranty if buying a resale property

✅ 6. Review Flood Zones

• Check FEMA maps to see if a home is in a flood zone
• If yes, ask your insurance agent about flood insurance costs
• Many areas in Humble, especially near creeks or Lake Houston, may require it

✅ 7. Make a Competitive Offer

• Your agent will review recent comps (home sales nearby)
• Consider seller motivations and current market speed
• Be ready to negotiate:
  • Price
  • Closing date
  • Seller concessions (repairs or closing costs)

✅ 8. Prepare for Move-In

• Set up utilities: CenterPoint Energy, local water/sewer, internet providers
• Update address with USPS and key services
• Join community Facebook groups to get local insights

✅ 9. Know the Timeline

✅ 10. Local Resources to Bookmark

• Harris County Appraisal District (HCAD)
• City of Humble
• Zillow profile – Kimberly Berger
• Neighborhood school ratings