Let’s bust the biggest myth in homebuying right now.
You do not need 20% down to buy a house.

That rule is outdated. And for most buyers? Totally unnecessary.

Here’s what’s actually available:
👉 3% down for conventional first-time buyer programs
👉 3.5% down with FHA
👉 0% down with VA or USDA if you qualify
👉 And yes—down payment assistance is real

I’ve helped clients get $10,000+ in assistance from local programs, employer benefits, even lender credits.
And you don’t have to be low-income. Many programs are based on location—not your salary.

So before you drain your savings—or delay your homeownership goals—talk to someone who knows the current options.

Because getting creative with your down payment could mean moving in this year… not five years from now.