How to Move Out of Your Parents’ House: A Step-by-Step Guide for Aspiring Homebuyers

Moving out of your parents’ home is a major life milestone.

And while it isn’t quite the same as breaking a lease to buy a house as a renter, moving out of your parents’ home still has its share of to-dos.

Whether you are moving out in your 20s or 30s, follow these steps to ensure a smooth move into your own home.

1. Talk to Your Family First

Before you make any concrete plans, have a conversation with your family. They can offer advice, support, and even help with moving logistics. Family members who’ve made similar moves may connect you with essential resources like movers, lenders, and real estate agents.

2. Choose a Target Moving Date

Setting a moving date is a great way to stay motivated. While this date may change depending on the closing date of your home purchase, having a target in mind will help you stay focused on completing your to-do list.

3. Start Saving Money Early

Moving costs money, whether you’re paying rent or buying a home. You’ll likely need funds for a security deposit, first month’s rent, or a down payment. The more you save, the more options you’ll have when it’s time to move out.

4. Create a Budget for Your New Home

Budgeting is key to determining how much you can afford for your new place. Calculate your monthly expenses, including:

• Utilities (water, gas, electricity, internet)
• Car payments, insurance, and gas
• Food and entertainment
• Haircare, clothing, and other services

Once you know your total expenses, compare them to your income. This will help you set a realistic target for your housing budget.

5. Build Your Credit

Your credit score plays a critical role when buying a home. While the required score varies, most lenders look for a credit score between 580 and 620. To improve your credit:

• Check your credit report for errors
• Pay off outstanding debts
• Avoid opening new lines of credit
• Keep old accounts open
• Pay your bills on time
• Reduce your credit card debt

Following these steps can improve your credit score quickly, helping you qualify for better loan terms.

6. Get Pre-Approved for a Mortgage

It’s never too early to get pre-approved for a mortgage. This simple process provides you with a clear idea of what you can afford and prepares you to start house hunting.

Ask your lender about first-time homebuyer programs to see if you qualify for down payment assistance.

7. Decide Where You Want to Live

Do some research on different neighborhoods in your target city. Take into account commute times, access to amenities, and local attractions. If you’re unsure where to start, here are the best cities for young adults.

Narrow down your preferences, such as whether you want a single-family home, condo, or move-in ready house.

8. Choose a Real Estate Agent

Once you know your budget and location, it’s time to find a real estate agent. A local agent can help you navigate the housing market, submit offers, and manage negotiations. They’ll also keep you informed throughout the entire process, ensuring nothing slips through the cracks.

9. Start Touring Homes

Touring homes is one of the most exciting parts of the buying process. As you visit homes, use a checklist to keep track of key features, like:

• Number of bedrooms and bathrooms
• Kitchen layout and condition
• Yard space and parking options
• Type and condition of floors
• Overall layout and how it fits your lifestyle

Take your time exploring neighborhoods to get a feel for the community.

10. Join Local Social Groups

If you’re moving to a new city, joining social groups can help you establish connections. You can find groups based on hobbies or volunteer opportunities like Habitat for Humanity. Online platforms like Facebook, Meetup, and Bumble BFF are excellent for meeting people in your area.

11. Submit an Offer on Your Home

Once you find a home you love, work with your real estate agent to submit an offer. If your offer is accepted, your mortgage expert and agent will guide you through the remaining steps, including appraisal, inspection, and closing.

12. Plan Your Official Move-Out Day

Your closing date will determine when you receive the keys to your new home. Consider whether you’ll need to make updates or repairs before moving in, such as painting or updating the kitchen. Plan your move accordingly.

13. Declutter and Donate Unwanted Items

Don’t wait until the last minute to start decluttering. Divide your belongings into “keep,” “sell,” and “donate” categories. Organizations like Goodwill and the Salvation Army will accept usable items. This will help you avoid bringing unnecessary clutter into your new home.

14. Start Packing

Begin packing non-essential items like seasonal clothes, books, and décor. Label your boxes by room to make unpacking easier when you arrive at your new place.

15. Schedule Your Move

Whether you’re hiring movers or doing it yourself, plan your move well in advance. If you’re going the DIY route, give family and friends plenty of notice if you need help.

16. Set Up Utilities

Ensure your utilities are set up before moving in. Contact providers for water, gas, electricity, internet, and trash services. Some providers may require a deposit, so be prepared for this cost.

17. Change Your Address

As moving day approaches, update your address with the post office, as well as your bank, credit cards, streaming services, and health providers.

18. Unpack and Settle In

Congratulations! You’ve successfully moved out of your parents’ house. Now, it’s time to unpack and enjoy your new space. Focus on the essentials first — kitchen items, personal care, and clothing — and tackle the rest over time.

By following these steps, you’ll be well on your way to moving out of your parents’ house and into a place of your own. Proper planning and budgeting will ensure a smooth transition into homeownership.