The most effective approach to affording a starter house in 2023 involves a multi-faceted strategy. Consider utilizing FHA loans, particularly beneficial for first-time buyers, with lower down payments and more flexible credit requirements. In Connecticut, explore CHFA loans and down payment assistance programs offered by the Connecticut Housing Finance Authority. For properties needing renovation, FHA 203(k) loans are a viable choice, allowing you to finance both the purchase and improvements. Financially, create a detailed budget, work on boosting your credit score, and consider government programs that offer grants or low-interest loans. Additionally, explore affordable areas, engage in homebuyer education, and consult with financial experts for comprehensive planning. Be patient and prioritize finding a property that aligns with your financial goals.