Did you go to Edit Town? It should be in your library under the second tab. From their you can place it on an empty lot in your town, and then you should be good to go.
If you downloaded an occupied house, it'll show up under the households tab, you'll see the family, not the house. Look for a new family with a little house symbol in your library. Place the lot in your town the same way, and if you don't want to play that family you can just evict them and move yours in.
thanks ldmarco, i found the one i downloaded today and a couple from awhile ago in the second tab - although one did take ages to install. thanks again!
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If you downloaded an occupied house, it'll show up under the households tab, you'll see the family, not the house. Look for a new family with a little house symbol in your library. Place the lot in your town the same way, and if you don't want to play that family you can just evict them and move yours in.