10/27/2026
The biggest myth in real estate? That you need 20% down to buy a home.
I have no idea why this one is still hanging around, but it’s keeping way too many people on the sidelines.
The truth is, there are loan programs that allow qualified buyers to purchase a home with as little as 3% down, and some even offer 0% down options!
And here’s something else people don’t always realize. You don’t necessarily have to be a first-time buyer to qualify for a low down payment.
Now, that doesn’t mean buying with less down is always the best option. Every buyer’s financial situation is different, and there are other expenses to consider, like closing costs.
But if the only thing keeping you from buying a home in Tampa Bay is that you haven’t saved 20%, we should probably have a conversation.
You might be a lot closer to homeownership than you think.
Feel free to message me with any questions!
