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If you’ve been waiting to buy a home because you think you need to save up a massive 20% down payment—you’re definitely not alone. But guess what? That outdated belief is stopping way too many buyers from moving forward. Let’s bust the myth and give you the facts that could get you into a home sooner than you thought.

🚫 The 20% Down Myth (And Why It’s Totally Overrated)

For decades, people believed you had to put 20% down to buy a house. That number got passed down like an old family recipe—except it’s not even necessary anymore. In fact, most buyers don’t do that.

Especially if you’re a first-time buyer, you’re likely putting down way less. The average is only 9%. And even that number isn’t set in stone.

✅ The Truth: You’ve Got Options—And They’re Better Than You Think

Let’s be real: not everyone has a pile of cash sitting around. The good news? You don’t need one. Some loan programs only require 3.5% down. And if you qualify? 0% down is possible.

Yep—zero. Like buying a house with the money you found under your couch cushions (okay, almost).

It all comes down to what loan options you’re eligible for and what fits your budget best. And that’s where having a solid real estate pro in your corner really pays off.

📉 Here’s What Most Buyers Don’t Know (But Should)

Here’s the jaw-dropper:

• Around 80% of first-time buyers qualify for down payment assistance.
  
  
• But only 13% actually use it.
  
  

That’s like being handed free money and saying, “Nah, I’m good.” Most buyers just don’t know the help is out there—or how to get it.

💰 The Average Assistance? Around $17,000

Seventeen. Thousand. Dollars. That’s the average benefit provided by down payment assistance programs. Imagine what that kind of money could do—not just for your down payment, but for your peace of mind.

This isn’t monopoly money. This is real support that could mean the difference between renting another year and finally having a place to call your own.

🔥 Bottom Line: Don’t Let Myths Kill Your Momentum

Thinking you need 20% down is one of the biggest blockers for future homeowners. But the reality? You’ve got options. You’ve got help. You’ve got people.

Let’s talk. We’ll break down your best options, connect you with trusted lenders, and help you take that first step with confidence.

📞 Ready to stop waiting and start owning? Call or text us at 855-935-MORE. We’re here to walk you through it all.