10/21/2026
This is one of the most common things I hear from people who’ve been renting for a while:
“We’d love to buy… but we just don’t have 20% saved yet.”
Here’s the good news: that’s a myth.
Twenty percent down is one option. It’s not a requirement.
✔️ Some conventional loans allow as little as 3% down.�✔️ FHA loans can go as low as 3.5% down.�✔️ VA and USDA loans may require nothing down for buyers who qualify.�✔️ Down payment assistance programs are available in both Missouri and Kansas.
Putting less down usually means a higher monthly payment, and often mortgage insurance. That’s worth understanding, but it’s not worth being scared of.
The best first step is a conversation with a good lender, so you know what’s actually possible for you.
You might be a lot closer to owning than you think.
If you’d like, I’m happy to connect you with a lender I trust. No pressure, just good information. 🔑