You Don’t Actually Need 20% Down — Here’s the Truth
The biggest myth in home buying, unpacked: how much you really need, and the low-down-payment paths most buyers never hear about.
Ask most people how much they need to buy a home and they’ll say twenty percent. It’s the most persistent myth in real estate — and it keeps qualified buyers renting for years longer than they need to.
The truth is that many loan programs are built for people who put down far less. The right path depends on your goals, your timeline, and the kind of home you’re buying — not a one-size-fits-all rule of thumb.
A larger down payment has real advantages, and a smaller one has real trade-offs worth understanding. The point is that you have options, and a short conversation can map them to your situation.
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