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How to Buy a Townhouse

How to Buy a Townhouse PhotoBuying a townhouse may not be that different in buying a condominium unit or a house. The price of a townhouse can be lower than that of a house but before you buy, there are still some things that you need to think about. Here are the steps on buying a townhouse:

Consider the many disadvantages

A townhouse may be a lot cheaper than a real house but it is different when it comes to appearance, quality, environment, associations and restrictions. Below are some things that you need to know about townhouses:

  • Townhouses share the common walls; so if the next door neighbor(s) are noisy, this could be a problem. Check if the walls were constructed with sound insulation.
  • Depending on the HOA (Home Owner’s Association) contract, restrictions may vary. You may be prohibited from keeping any kind of pet. Watch out for other rules like restriction on having a party, age limit, parking options and required contributions.
  • There are association fees which include snow and lawn care, outside maintenance, sanitation, water/sewer and hazard insurance.

Find a real estate agent

Check if you pre-qualify for a housing loan. The mortgage company will run a credit check about you and determine if you can be pre-qualified. Once you get a positive result, find a real estate agent to assist you on buying a townhouse.

Search for a townhouse

Start your search for a townhouse and your agent may do this in different ways. Your agent may ask you about what you have been looking for and will conduct a search based on your budget. Once you have chosen a townhouse that you want, your agent will write a price offer for it.

Inspect the townhouse

Conduct a home visit and make keen inspection about the house and its environment. You can hire inspectors to do this for you. Your agent should have you purchase an option period wherein you can get out of a contract without penalties once a bad report has generated after the inspection.


Make a payment and sign all documents. In closing, after the funding has gone though from your mortgage company you can obtain the deed and the keys to your new house.

Townhouses can be a convenient option to buyers when it comes to processes and prices. As long as the rules are fine with you, then you just owned a nice property. Enjoy your new townhouse!