09/23/2026
Do you really need 20% down to purchase a home?
For many buyers, the answer is no.
Depending on your financial situation and the loan program you qualify for, there may be options that require considerably less.
However, your down payment is only one part of the financial picture.
Buyers should also prepare for potential closing costs, inspections, appraisal expenses, moving costs, and the inevitable purchases that come with settling into a new home.
The goal should never be to use every dollar you have just to get to the closing table.
A good home purchase should make sense for your finances after you receive the keys, too.
If you’re considering a home purchase in San Antonio, let’s talk before you begin your search. I can help you understand what expenses to expect and connect you with trusted lending professionals who can explain your financing options.