Sabrina Clinton

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Down Payment Myths (You Don’t Need 20%!)

Let’s get this straight: you do not need 20% down to buy a home. That’s an old-school myth that keeps people from even trying.

Here’s the truth:

First-time buyer programs often only need 3% to 5% down
FHA loans require just 3.5% down
VA and USDA loans? $0 down if you qualify

And there are more ways to help:

Down payment assistance programs – Some offer $7,500 to $20,000 to help with your purchase.
Seller concessions – In today’s market, sellers are often open to helping with closing costs.
Grants and forgivable loans – If you meet certain income or location guidelines, there’s free money on the table.

If saving a big down payment has been holding you back, let’s talk. We’ll look at your situation and see which programs you qualify for. You’re closer than you think.

Buying, Selling or Investing?

Get assistance in determining current property value, crafting a competitive offer, writing and negotiating a contract, and much more. Contact me today.

Let’s work together!