09/02/2026
One of the most common misconceptions I hear from buyers: you need 20 percent down to purchase a home. And for many people that belief is the single biggest thing holding them back from homeownership.
The reality is very different.
There are many different loan programs with low down payment requirements. There are down payment assistance programs that can cover some or all of your upfront costs. There are seller concessions that can reduce the cash you need to bring to closing. And there are creative strategies that combine multiple options to make the numbers work for buyers who assumed they were years away.
Every buyer's situation is different. The right solution depends on your income, your credit, your savings, and your goals. Which is exactly why the most important step is having a real conversation before assuming homeownership is out of reach.
You may be much closer than you think. The first step is not saving forever waiting to reach a number that may not even be required. The first step is understanding what options are actually available for your specific situation.
Reach out today and let's find out where you actually stand.
