Wait to start your search until you know what your budget is, and remember to consider what additional costs may arise. When you buy a house, you don't just pay the value of the land and construction; therefore, you also have to take into account valuation and inspection by specialists, bank loans (if needed), taxes, repairs, renovations, and alterations. The ideal option would be to pay the total amount. But, if you still need to get the total amount available, remember to consider a loan option. However, you need to know the maximum rate you can afford so you can spend your money wisely.