Buying a home with a partner is a huge milestone. For many, it can feel like the ultimate commitment — one that even eclipses the moment you say ‘I do’. But before you start scouring Zillow together and scheduling open houses, take a beat. Slow down and ask yourself: Is this really the right time? And more importantly, what happens if it all goes sideways?

Today, we’re breaking down the ins, outs, and “oh no, what now?” moments that come with buying a house with someone you’re dating.

How Soon Is Too Soon to Buy a House Together?

This is the million-dollar question. There’s no one-size-fits-all answer, but here’s the short version: Just because you can buy a home together doesn’t mean you should.

Here Are Some Things to Ask Yourselves

• Have we lived together before?
• Do we know how we handle money, stress, and decision-making together?
• What happens if one of us wants out?

So when it comes to buying a home with a partner, when is the right time? It’s when you’ve had the hard conversations, not just the dreamy Pinterest planning sessions.

Do you have more questions about buying a home in DC? Here are a few more posts you might find helpful:

• Should You Get a Home Inspection on a New Build
• How Long Does it Take to Buy a House?
• What NOT to Do if You Want to Buy a Home this Year

What You Need to Know Before You Sign Anything

Here’s where things get real. Romantic, huh?

• Talk legal structure upfront. Will you be joint tenants with rights of survivorship? Tenants in common? This affects what happens if one of you dies — or bails.
• Document everything. Who’s paying what? What happens if you break up? Spell it out in a cohabitation agreement or property agreement. Yes, even if things are going great.
• Understand mortgage logistics. Wondering how many people can be on a mortgage? Typically, up to four people can co-sign, depending on the lender. But just because all names are on the loan doesn’t mean all names are on the title — and you should know the difference.

What’s the difference between joint tenants and tenants in common? Read this post next to find out!

The Breakup Clause

We know it’s awkward. But skipping this step is how you end up in situations like: “I bought a house with my girlfriend…but we just broke up.” Yikes. The reality is, if you’re not protected legally, things can get messy — fast. For instance, if you ever find yourself asking questions like: “My partner owns the house, what rights do I have?” Well, if your name’s not on the deed or mortgage, your options may be limited. The bottom line? Cohabitation does not automatically grant you legal ownership — which means you need a backup plan stat that hinges on protecting your rights up front.

Love, Logic, and Real Estate

Now don’t get us wrong: we’re not saying don’t do it. Buying a home with your partner can be exciting, strategic, and a smart financial move. But it’s also a legal partnership, not just a romantic one. So before you pop champagne on closing day, pop open a spreadsheet. Talk to a lawyer. Ask the uncomfortable questions.

Because when love and property mix, the best thing you can do is go in with your eyes open.

Want help navigating the adventure of buying a home with your partner? Reach out to our dedicated team of experts today — your future self will thank you.

Give us a call at 202.280.2060 or email us directly at jsmira@jennsmira.com.