For most move-up buyers, the down payment is tied up in the home they live in now. There are a few ways to reach it before you sell.

A home equity line of credit (HELOC). A HELOC lets you borrow against your current home. Some lenders won’t open one once your home is listed, so ask early.

A bridge loan. A bridge loan is a short-term loan that covers the gap until your home sells.

Buy-before-you-sell programs. Some lenders also offer programs built for buying your next home before your current one sells.

Bridge loan vs. HELOC: which is right for you? Each choice has its own costs and rules. Your lender can walk you through how they compare for your situation.

Buying a home before selling yours starts with your lender. Talk with your lender before you start shopping, so you’re ready when the right home comes along.

(See also: What Is a Contingent Offer, and Will a Tacoma Seller Accept Mine? and How to Use the Equity in Your Current Home)