Buying a home involves a lot of steps, documents, and deadlines. When you know what is coming, the process feels much more manageable. Here is how a typical purchase works in Sacramento County.
1. Get pre-approved
A lender reviews your income, credit, and savings and tells you how much you can borrow. This sets your budget and shows sellers your offer is serious.
2. Search with a plan
Make a list of must-haves and nice-to-haves. Location, commute, and school area usually matter most.
3. Make an offer
Your offer includes price, earnest money deposit, contingencies, and a closing timeline. Reviewing comparable sales first helps your offer make sense for the home.
4. Escrow and contingencies
Once your offer is accepted, escrow opens. You review disclosures, complete inspections, and your lender orders an appraisal. Contingency deadlines give you time to review the home and your loan.
5. Closing
You sign final documents, your funds and loan are wired to escrow, and the deed records with Sacramento County. Then you get your keys.
Questions
How long does escrow take?
Many escrows close in about 30 to 45 days, though it varies by loan type and the terms you agree to.
Are closing costs the same as a down payment?
No. Closing costs are fees for the loan, escrow, title, and other services. They are separate from your down payment.
Ready to start? Download the free Buyer’s Guide or read the full buying guide.