10/15/2026
🔧 Myth-Busting Monday! 🏡
MYTH: "You need 20% down to buy a home."
After 25+ years under the hood of cars, I can tell you this: some things people swear are true just aren't. This is one of them!
Here's the real deal:
✅ FHA loans can start with as little as 3.5% down
✅ USDA loans can offer 0% down in eligible rural areas (and lots of Middle Tennessee qualifies!)
✅ Conventional loans can go as low as 3% down for some buyers
✅ Many first-time buyers get help with down payment programs
Every situation is different, so the best first step is a friendly, no-pressure chat. I'll explain it all in plain English (no mechanic jargon required 😄) and connect you with a lender who knows how to work with real-life incomes.
What's the biggest myth you've heard about buying a home? Drop it below! 👇
Text me anytime: (615) 693-2667
— Joseph Watkins, REALTOR® | SRES®, Gateway South Real Estate