Complete Walkthrough
Buying directly from an FSBO seller can save you the buyer's agent commission (typically 2.5–3% of the purchase price). Here's exactly how to do it safely.
Get pre-approved first
Compare rates from 200+ lenders — free, no commitment.
Apply for a pre-approval letter from a lender before touring any homes. This tells you your budget and signals to FSBO sellers that you're a serious buyer.
Get pre-approved first
Compare rates from 200+ lenders — free, no commitment.
Search Zillow "By Owner" filter, Facebook Marketplace, Craigslist, Forsalebyowner.com, and local neighborhood groups.
Pull recent sold prices for similar homes within 0.5 miles on Zillow, Redfin, or county assessor records to determine fair market value.
Ask the seller for any required state disclosure forms, permits, HOA documents, and past inspection reports.
Use a state-specific purchase agreement with inspection, financing, and appraisal contingencies. Never make a verbal offer only.
Hire a licensed inspector within your inspection contingency period. Attend the inspection and read the full report.
Find licensed home inspectors near you
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Find an Inspector →Have a title company or attorney search the property for liens, back taxes, and ownership disputes.
Submit the purchase agreement to your lender. They'll order an appraisal and begin underwriting.
Your lender sends this 3 business days before closing. Review every line for accuracy.
Do a final walkthrough, bring certified funds, sign the closing documents, and get the keys.
In some states (New York, Georgia, North Carolina, Massachusetts, and others), a real estate attorney must conduct the closing. Even in title-company states, hiring an attorney to review your purchase agreement is one of the best investments you can make in an FSBO transaction.
Nolo has been the go-to legal resource for DIY buyers since 1971. Their real estate guides explain purchase agreements, contingencies, and closing in language anyone can understand.
Browse Legal Guides →Get a real estate attorney to review your purchase agreement or help you draft an offer letter — often for a fraction of traditional legal fees.
Get Legal Help →Download state-specific purchase agreements, addenda, and disclosure forms — written by attorneys, ready to use in your state.
Browse Real Estate Forms →