Most buyers need funds for down payment + closing costs + a small buffer. The exact amount depends on your loan type, price point, and whether you negotiate seller-paid closing costs.
Speaking with a lender for all financial guidance.
There isn’t one perfect number—lenders look at your credit score, debt-to-income ratio, and overall file. If your score isn’t where you want it, a lender can usually give you a simple plan to improve it within a few months.
Speak with a lender to find out what you qualify for.
Pre-qualification is an estimate based on what you tell the lender. Pre-approval is stronger because the lender reviews documents (income, assets, credit) and gives a clearer green light—this is what sellers take seriously.
Speak with a lender to find out what is best for you.

Once you’re pre-approved, many first-time buyers find a home within a few weeks to a couple months. After an offer is accepted, closing is often around 30–45 days, depending on the loan and contract terms.
Possibly. Minnesota has programs that can help with down payment and/or closing costs, depending on income, location, and eligibility. If you tell me your target area and general budget, I can point you to options to explore with your lender.
You’re not required to, but having representation can make the process clearer and better protected—especially with offers, negotiation, inspection, and timelines. If you already have an exclusive agreement with an agent, you’ll want to honor that—if not, I’m happy to help.