Purchasing Your Home in Dayton & Miami Valley

Expert Real Estate Guidance for Homebuyers

Buying a home is one of the biggest investments most people will ever make. As your local Dayton area Realtor®, I can help you navigate every step with confidence. From exploring neighborhoods in Springboro, Centerville, Beavercreek, and Kettering to finding a home that fits your lifestyle in Lebanon, Troy, or Xenia, I’ll make sure your move feels seamless.

Why Work With a Local Expert

Every market is different, and the Dayton housing market is no exception. Some areas, like Mason and Liberty Township, are growing quickly, while others such as Waynesville and Bellbrook maintain a small-town charm. I keep up with local trends so I can provide:

• Accurate pricing guidance to help you make competitive offers
• Neighborhood insights including schools, parks, restaurants, and recreation
• Connections with trusted local lenders and inspectors who know our market
• Relocation assistance for families moving here for work at Wright-Patterson Air Force Base or other local employers

Understanding Buyer Agency Agreements

Buying a home is one of the biggest decisions you’ll ever make. In today’s market, buyer representation is more important than ever. A Buyer Agency Agreement is a document that outlines how I work for you—protecting your best interests, negotiating on your behalf, and guiding you every step of the way. It ensures transparency in how I’m compensated and gives you peace of mind knowing you have a dedicated advocate on your side.

Learn More About Buyer Agency Agreements

The Home Buying Process Made Simple

Buying your Dayton home doesn’t have to be overwhelming. Here’s how I guide you through every step:

1. Initial Consultation – We’ll talk about your goals, must-haves, and nice-to-haves
2. Pre-Approval – I’ll connect you with reputable mortgage professionals so you know your budget
3. Home Search – I’ll set you up with custom MLS alerts so you see new listings the moment they hit the market—whether in Oakwood, Miamisburg, or Tipp City
4. Showings & Tours – I’ll arrange property tours around your schedule and point out details that matter
5. Making an Offer – Together, we’ll craft a strong offer and negotiate to get you the best deal possible
6. Inspections & Appraisal – I’ll guide you through these important steps and recommend reliable professionals
7. Closing Day – We’ll sit at the table with confidence, and you’ll leave with the keys to your new home

First-Time Home Buyers

If you’re buying a home for the first time, you probably have questions like:

• How much do I need for a down payment?
• What loan programs are available?
• What are closing costs and who pays them?
• How long does the process take?

I’ll answer all of these (and more) so you never feel in the dark. My Buyer’s Handbook is designed to walk you through the process step by step, and I’ll be by your side to make it stress-free.

Relocating to Dayton

Moving from out of state or for a military transfer? Relocation is one of my specialties. I’ve helped families transition smoothly to neighborhoods such as Fairborn, Huber Heights, and Vandalia, all popular with those stationed at Wright-Patterson Air Force Base. I’ll handle the details so you can focus on settling into your new community.

What Makes Miami Valley Neighborhoods Special?

Understanding what makes each area unique helps you find the perfect fit for your lifestyle:

Springboro

Top-rated schools and a vibrant downtown make Springboro ideal for families seeking excellent education and community events.

Centerville

A mix of historic charm and modern living with convenient access to shopping, dining, and recreation throughout Montgomery County.

Beavercreek

Close to Wright-Patterson Air Force Base, premier shopping at The Greene, and abundant parks and trails for outdoor enthusiasts.

Lebanon

A growing community with small-town character, historic downtown, and easy access to I-75 for commuters.

Waynesville

Known for antiques, festivals, and a strong sense of community in the heart of Warren County.

What Affects Home Prices in the Miami Valley?

Understanding market factors helps you make informed buying decisions:

Location & Schools

Proximity to top-rated school districts like Centerville, Beavercreek, and Oakwood significantly impacts home values. Access to Wright-Patterson Air Force Base, major employers, and Interstate highways (I-75, I-70, Route 35) adds convenience and appeal.

Home Condition & Features

Updated kitchens, bathrooms, and modern systems (HVAC, roof, windows) command premium prices in the Miami Valley market. Energy-efficient features and smart home technology are increasingly attractive to today’s buyers.

Market Conditions

Interest rates, housing inventory, and buyer demand all affect pricing. I’ll help you understand current market dynamics and position you for success whether it’s a buyer’s or seller’s market.

Neighborhood Amenities

Access to parks, recreation centers, shopping, dining, and entertainment adds value. Communities with strong HOAs, well-maintained common areas, and active resident involvement often see higher property values.

The Miami Valley Advantage

Dayton and the surrounding Miami Valley communities offer buyers an exceptional quality of life with affordable housing, excellent schools, growing employment opportunities at Wright-Patterson Air Force Base and major corporations, and convenient access to I-75, I-70, and Route 35.

The region combines small-town charm with big-city amenities, from vibrant downtown Dayton to family-friendly suburbs like Kettering, Beavercreek, Centerville, and Springboro. Whether you’re relocating for work, starting a family, or seeking a change of pace, the Miami Valley has a neighborhood that’s perfect for you.

Frequently Asked Questions About Buying in Dayton

How much do I need for a down payment?

Down payment requirements vary by loan type. Conventional loans typically require 3-20%, FHA loans require as little as 3.5%, and VA loans (for eligible veterans) require 0% down. I’ll connect you with lenders who can explain your options based on your financial situation.

What are closing costs for buyers in Ohio?

Buyers in Ohio should be prepared for several costs during the home buying process. Here’s a breakdown of typical expenses:

Out-of-Pocket Costs During the Buying Process:

• Earnest Money: $500 to $2,000 (for luxury homes, this may be up to 1% of the purchase price)
• Inspections: $700 to $1,200
• Appraisal: $400 to $800

Due on Closing Date:

• Down Payment: 3% to 20% of the purchase price
• Homeowner’s Insurance (1 Year): $1,000 to $1,500
• Prepaid Property Taxes & Insurance for Escrow: 3 to 6 months
• Lender and Title Fees: 1.5% to 2% of the purchase price
• Brokerage Fee: $199

Final costs will vary depending on the lender and title company selected. I’ll provide a detailed estimate early in the process so there are no surprises at closing.

How long does it take to buy a home in Dayton?

From offer acceptance to closing typically takes 30-45 days for most transactions. Cash purchases can close faster (2-3 weeks), while FHA or VA loans may take slightly longer. I’ll help you understand the timeline and keep everything on track.

Should I get pre-approved before house hunting?

Absolutely! Pre-approval shows sellers you’re a serious buyer and gives you a clear budget. In competitive markets like Beavercreek and Centerville, pre-approval can make the difference between getting your offer accepted or losing out to another buyer.

What’s the difference between pre-qualification and pre-approval?

Pre-qualification is an informal estimate based on self-reported financial information. Pre-approval involves the lender verifying your income, credit, and assets—making it much stronger. Always get pre-approved before making offers.

Do I need a home inspection?

While not legally required, a home inspection is highly recommended. It reveals potential issues with the property’s structure, systems, and safety. This information helps you negotiate repairs or credits, or walk away if major problems are discovered.

Can I buy a home with student loan debt?

Yes! Lenders consider your debt-to-income ratio, but student loans alone won’t disqualify you. Many first-time buyers in the Miami Valley successfully purchase homes while managing student debt. I’ll connect you with lenders experienced in these situations.

What happens if the appraisal comes in low?

If the appraisal is lower than the purchase price, you have several options: negotiate a lower price with the seller, make up the difference with a larger down payment, or request a second appraisal. I’ll guide you through the best strategy for your situation.

Should I buy new construction or an existing home?

Both have advantages. New construction offers modern features, warranties, and customization, but typically costs more. Existing homes in established neighborhoods often have mature landscaping, character, and lower prices. I’ll help you weigh the pros and cons based on your priorities.

What if I need to sell my current home first?

I can help with contingent offers (where your purchase depends on selling your current home) or coordinate timing so both transactions align. With proper planning, transitioning from one home to another can be smooth and stress-free.

Complete Your Buyer Intake Form

Ready to get started? Fill out my Buyer Intake Form to help me understand your home buying goals, preferences, and timeline. This information allows me to provide you with personalized service and find homes that truly match what you’re looking for in the Miami Valley.

Prefer not to fill out the form right now? Click here to open it in a new window, or contact me directly below.

Ready to Start Your Home Search?

Take the next step toward finding your perfect Miami Valley home. Explore the resources below or contact me directly for a personalized consultation.

Search Homes Now – Use my property search tool for the latest listings

Get Pre-Approved – I’ll connect you with a trusted lender today

Home Value Estimates – See what homes are worth in your target neighborhoods

Contact Claire Dunn Today

Let’s discuss your goals and create a customized plan to find your dream home in Dayton and the Miami Valley.

Phone: (937) 529-6129

Email: claire@clairedunnrealestate.com

Schedule Your Free Consultation