09/05/2026
🏡 You DON’T need 20% down to buy a home!
One of the biggest misconceptions I hear from potential homebuyers is:
“I need to save 20% before I can buy.”
The truth? There are loan programs that allow qualified buyers to purchase a home with significantly less than 20% down.
Depending on the loan program and your individual situation, you may have options such as:
🔑 FHA — as little as 3.5% down
🔑 Conventional — some programs allow as little as 3% down
🔑 VA — eligible buyers may qualify for 0% down
🔑 USDA — eligible buyers may qualify for 0% down
And there are also down payment assistance programs that may help qualified buyers with their upfront costs.
💡 The important thing is to find out what YOU may qualify for rather than assuming you need 20%.
If buying a home has been on your mind but you feel like you’ll never save enough for a down payment, let’s talk about your options. You might be closer than you think!
Loan programs, down payment requirements, and eligibility vary by individual circumstances. Let me connect you with a qualified lender for specific details.