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1. Introduction — Why This Book Exists and What Changed
2. Why Own a Home in 2026?
3. Loans: It's All About the Financing
4. Finding and Negotiating Your Dream Home
5. Escrow and Title
6. Closing, Property Transfer, and Occupancy
7. Repairs, Remodeling, and Maintenance
8. The Homeownership Gap — A Data-Driven Reality Check
9. Digital Tools for the Modern Home Buyer
10. Down Payment Programs and Closing Cost Credits
11. HomByt Certification
12. About the Author, ICONYCS, and Resources
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