The 20% Down Payment Lie

Buyers are stuck on one number: 20%.

It’s wrong.

You do not need 20% down to buy a home. That idea has sidelined more buyers than rates ever have.

Here’s what’s actually happening:

Most first-time buyers are putting down around 10%.
Many are buying with 3%–3.5%.
Some are putting zero down with VA or USDA loans.

And then there’s the part almost nobody talks about…

Down payment assistance.

There are thousands of programs out there. A huge percentage of buyers qualify. Almost nobody uses them.

That’s not a money problem. That’s an information problem.

So what happens?

People sit on the sidelines for years trying to save 20% while prices move, rates shift, and the gap gets bigger. They think they’re being smart. They’re not. They’re just late.

This isn’t about pushing you to buy.

It’s about getting real numbers instead of guessing.

Talk to a lender.
Find out what you actually need.
See what you qualify for.

You may be a lot closer than you think.