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Prepare Now To Buy in 2026

December 13, 2025

With the housing market starting to become more appealing with lower interest rates and more homes available, 2026 is looking like a good year to buy one of the  Citrus Springs FL new homes. We have a great selection of homes in our Sugarmill Woods community, so it’s time to start preparing to buy a new home in 2026.

If you’re a first-time home buyer – or even if it’s been a while since you bought a home – you may want to take a home-buyer education course now to learn everything that goes into buying a new home. It will cover topics such as understanding your current financial situation, properly budgeting for a mortgage, comparing loan options, and coming to grips with what is involved in the final closing. The more informed you are, the easier it is to find the right home for your needs and budget.

Financially, during the house hunting process, it’s common to focus primarily on the downpayment and the mortgage rate. Yet it’s important to keep other costs in mind, as well. These include property taxes, homeowners insurance, closing fees, and home maintenance costs, because they play a role in your home’s overall affordability. While you may be able to afford your mortgage, these additional costs, especially those that occur monthly or annually, can stretch beyond your budget if not careful. Fortunately, with a newly constructed home, you’re unlikely to have costly repairs bills, but it’s still important to keep up to date on maintenance to keep your home functioning properly for years to come.

As for the downpayment, you should do some research into lender-specific programs and government-backed mortgages, such as an FHA loan or VA loan. Rather than the steep 20% down that you may think you need, you might be able to find loans that require a drastically lower downpayment.

Ultimately, with some research and a clear understanding of the various costs involved in purchasing and owning a home, you’ll be better situated to finally buy a new home in 2026. To help you find one of the perfect  Citrus Springs FL new homes.  and other great homes and communities in Central Florida, turn to Summit Homes Florida today. With our attractive Sugarmill Woods community, we can help you find your ideal new home for 2026.

This post was written by Summit Homes FL.