Are you putting off buying your home because you don't have the 20% down payment? I have news for you.

If you’re putting off the dream of homeownership because you believe you need to save 20% of the property's value, I have news that will change your perspective: That rule no longer exists.

Nowadays, waiting to amass a mountain of cash is not only unnecessary, but it can also be a costly financial mistake as home prices continue to rise.

The Reality of the Numbers

According to recent data from the National Association of Realtors (NAR), the median down payment for first-time homebuyers is just 10%. That’s half of what most people think is required. But there’s more: many manage to close on their purchase with even lower percentages.

What Options Do You *Really* Have?

There is no such thing as a "one-size-fits-all down payment." The amount depends on your goals and the type of program we choose:

FHA Loans: These allow for down payments as low as 3.5%. They are ideal if you are looking for flexibility.

VA and USDA Options: For those who qualify (such as veterans), there are options with a 0% down payment.

Conventional Programs: Some allow you to buy with a down payment of just 3%.

The Best-Kept Secret: Down Payment Assistance (DPA) This is where most buyers miss out on a huge opportunity. It is estimated that nearly 80% of first-time homebuyers qualify for some form of assistance, yet only 13% actually utilize it.

There are over 2,600 assistance programs available nationwide. Imagine receiving a boost of $18,000 (the average benefit provided by these programs) to help cover your down payment. That extra money could be the difference between continuing to rent and receiving the keys to your own home next month.

Stop Guessing and Start Planning

The market moves fast, and information is your greatest asset. If you keep waiting until you have that 20% saved up, you could be delaying your timeline far longer than necessary.

My commitment is to help you find the shortest and safest path to your new home. You don't have to figure this out on your own.