Real Estate Myth Busted: You Don’t Need 20% Down to Buy a Home

One of the biggest myths in real estate is the belief that you need a 20% down payment to buy a home. The truth? You don’t.

There are many loan programs available that allow qualified buyers to purchase a home with as little as 3% down—and in some cases, even 0% down.

💡 Loan Options with Lower Down Payments:

• Conventional Loans: Some allow as little as 3% down
• FHA Loans: Require just 3.5% down
• VA Loans (for eligible veterans): 0% down
• USDA Loans (for rural areas): 0% down
• First-Time Buyer Programs: Many offer grants, down payment assistance, and more

🚫 Don’t Let the 20% Myth Hold You Back

Too many potential buyers delay homeownership because they think they need to save up 20%. That’s simply not true for most first-time and even repeat buyers.

With the right lender and strategy, you can often get into a home much sooner than you think.

🛠 Let’s Build a Game Plan

Not sure what you’d qualify for? That’s where we come in.

Let’s connect and create a personalized plan based on your income, goals, and timeline. You might be closer to owning a home than you think.

📲 Call or text me at 619-214-1325 and let’s bust some myths together.

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