Inheriting a home is rarely simple. On top of grief, you now have paperwork, utility bills, possibly a mortgage, and family members with opinions. This is a calm 30-day checklist to help you get organized. It is educational only — an estate attorney should advise you on legal steps.

Week 1: Secure and inventory

  • Change or add locks if needed and confirm the property is safely closed up.
  • Locate the will, trust documents, deed, mortgage statements, insurance policy, and property tax bills.
  • Notify the homeowner's insurance carrier that the owner has passed away — vacant homes often need a different policy.
  • Forward mail and check for unpaid utility or HOA bills.

Week 2: Understand the legal path

In Texas, how the property transfers depends on the estate:

  • With a will — usually probated in county court; an executor is appointed.
  • Without a will — Texas intestacy laws determine heirs; often an Affidavit of Heirship or a small-estate process applies.
  • In a trust — the trustee administers according to the trust document, often without probate.

A Texas probate or estate attorney can walk you through which path applies. Do not try to sell before ownership is properly established.

Week 3: Look at the numbers

Build a simple picture of the property:

  • Mortgage balance and monthly payment (if any).
  • Property taxes and insurance.
  • Repairs the house realistically needs.
  • A rough market value range.
  • Rental income potential, if that interests you.

This is also a good time to talk to a tax professional about the stepped-up basis rule, which often applies to inherited property and can affect capital gains taxes.

Week 4: Decide as a family

Most heirs land on one of three paths:

  1. Keep and live in it.
  2. Keep and rent it out.
  3. Sell — traditionally or to a cash buyer for a faster, as-is close.

If multiple heirs disagree, a neutral third party (attorney, mediator) is often worth the cost.

Common questions

  • Do I have to pay the mortgage right away? Usually yes, to avoid default. Contact the servicer and identify yourself as the successor in interest.
  • Can I sell before probate finishes? Sometimes, but only after ownership authority is established. Ask the attorney.
  • What if the house is in bad shape? As-is sales exist specifically for this situation.

The first 30 days are about information, not big decisions. Once you know the legal path, the numbers, and everyone's wishes, the right choice usually becomes clear.