Buying a home is a big, big deal. And before you go shopping, it's best to sharpen your pencil.br According to Business Insider, if you're looking to buy a home, there are several signs you're ready.br Can you make a full 20 down payment without going into your emergency savings?br Will your monthly payment be less than 30 of your monthly income?br Utilities, trash, water, and repairs all cost money.