What happens next in this paragraph?

How to buy a townhouse
Decide how much house you can afford.
Take out all of your family's bills and add up how much you spend each month on food, insurance, school, transportation, etc. Then calculate all sources of income.
OPTIONS:
* You need to buy a home within your budget. Use online calculators to estimate your monthly mortgage payment.;
* It is helpful to figure out how many people the house will accommodate, as well as plan for your own living situation. Meet with the real estate agent for questions.;
* At this time you will begin to figure out the cost for your house, whether it's health insurance, mortgage, car loan, etc. You'll be borrowing at a discount-the cost you would if you had purchased a house already.;
* You can also subtract the amount of monthly rent you earned. In other words, you will need more than that if you are buying a townhouse, not less.;
You need to buy a home within your budget. Use online calculators to estimate your monthly mortgage payment.