{"id":3392,"date":"2021-02-03T05:00:41","date_gmt":"2021-02-03T11:00:41","guid":{"rendered":"https:\/\/nwiloanguy.com\/blog\/do-i-really-need-a-20-down-payment-to-buy-a-home\/"},"modified":"2021-02-03T05:00:41","modified_gmt":"2021-02-03T11:00:41","slug":"do-i-really-need-a-20-down-payment-to-buy-a-home","status":"publish","type":"post","link":"https:\/\/nwiloanguy.com\/blog\/do-i-really-need-a-20-down-payment-to-buy-a-home\/","title":{"rendered":"Do I Really Need a 20% Down Payment to Buy a Home?"},"content":{"rendered":"<p><img data-recalc-dims=\"1\" decoding=\"async\"  src=\"https:\/\/i0.wp.com\/files.simplifyingthemarket.com\/wp-content\/uploads\/2021\/01\/29153829\/20210203-KCM-Share-549x300.jpg?w=358&#038;ssl=1\" class=\"webfeedsFeaturedVisual wp-post-image\" alt=\"Do I Really Need a 20% Down Payment to Buy a Home? | Simplifying The Market\" loading=\"lazy\" style=\"margin-bottom: 5px;clear:both;max-width: 100%\" \/><\/p>\n<p>Is the idea of saving for a down payment holding you back from buying a home right now? You may be eager to take advantage of today\u2019s <a href=\"https:\/\/www.simplifyingthemarket.com\/2021\/01\/19\/should-i-wait-for-lower-mortgage-interest-rates\/?a=375140-ca8522ad04357da9549c08492a932f70\" target=\"_blank\" rel=\"nofollow noopener noreferrer\">low<\/a> mortgage rates, but the thought of needing a large down payment might make you want to pump the brakes. Today, there\u2019s still a common myth that you have to come up with 20% of the total sale price for your down payment. This means people who could buy a home may be putting their plans on hold because they don\u2019t have that much saved yet. The reality is, whether you\u2019re looking for your first home or you\u2019ve purchased one before, <strong>you<\/strong> <strong>most likely<\/strong> <strong>don\u2019t need to put 20% down<\/strong>. Here\u2019s why.<span id=\"more-43793\"><\/span><\/p>\n<p>According to <a href=\"https:\/\/sf.freddiemac.com\/articles\/insights\/down-payments-helping-future-borrowers-bridge-the-awareness-gap\" target=\"_blank\" rel=\"nofollow noopener noreferrer\"><em>Freddie Mac<\/em><\/a>:<\/p>\n<blockquote>\n<p><strong><em>\u201cThe most damaging down payment myth\u2014since it stops the homebuying process before it can start\u2014is the belief that 20% is necessary.\u201d<\/em><\/strong><\/p>\n<\/blockquote>\n<p>If saving that much money sounds daunting, potential homebuyers might give up on the dream of homeownership before they even begin \u2013 but they don\u2019t have to.<\/p>\n<p>Data in the <a href=\"https:\/\/www.nar.realtor\/research-and-statistics\/research-reports\/highlights-from-the-profile-of-home-buyers-and-sellers\" target=\"_blank\" rel=\"nofollow noopener noreferrer\">2020 Profile of Home Buyers and Sellers<\/a> from the <em>National Association of Realtors<\/em> (NAR) indicates that the median down payment actually <strong>hasn\u2019t been over 20% since 2005<\/strong>, and even then, that was for repeat buyers, not first-time homebuyers. As the image below shows, <strong>today\u2019s median down payment is clearly less than 20%.<\/strong><a href=\"https:\/\/i0.wp.com\/files.simplifyingthemarket.com\/wp-content\/uploads\/2021\/01\/29153839\/MedianDownPayment_MEM.png?ssl=1\" target=\"_blank\" rel=\"nofollow noopener noreferrer\"><img data-recalc-dims=\"1\" decoding=\"async\" loading=\"lazy\" class=\"aligncenter wp-image-43797\" src=\"https:\/\/i0.wp.com\/files.simplifyingthemarket.com\/wp-content\/uploads\/2021\/01\/29153839\/MedianDownPayment_MEM.png?resize=650%2C408&#038;ssl=1\" alt=\"Do I Really Need a 20% Down Payment to Buy a Home? | Simplifying The Market\" width=\"650\" height=\"408\" \/><\/a><\/p>\n<h4><strong>What does this mean for potential homebuyers?<\/strong><\/h4>\n<p>As we can see, the median down payment was lowest for first-time buyers with the 2020 percentage coming in at 7%. If you\u2019re a first-time buyer and putting down 7% still seems high, understand that there are programs that allow qualified buyers to purchase a home with a down payment as low as <a href=\"https:\/\/www.hud.gov\/buying\/loans\" target=\"_blank\" rel=\"nofollow noopener noreferrer\">3.5%<\/a>. There are even options like <a href=\"https:\/\/www.benefits.va.gov\/homeloans\/index.asp\" target=\"_blank\" rel=\"nofollow noopener noreferrer\">VA loans<\/a> and <a href=\"https:\/\/www.rd.usda.gov\/newsroom\/news-release\/usda-rural-home-loans-offer-100-financing-and-no-down-payment\" target=\"_blank\" rel=\"nofollow noopener noreferrer\">USDA loans<\/a> with no down payment requirements for qualified applicants.<\/p>\n<p>It\u2019s important for potential homebuyers (whether they\u2019re repeat or first-time buyers) to know they likely don\u2019t need to put down 20% of the purchase price, but they do need to do their <a href=\"https:\/\/downpaymentresource.com\/\" target=\"_blank\" rel=\"nofollow noopener noreferrer\">homework<\/a> to understand the options available. Be sure to work with trusted professionals from the start to learn what you may qualify for in the homebuying process.<\/p>\n<h3><strong>Bottom Line<\/strong><\/h3>\n<p>Don\u2019t let down payment myths keep you from hitting your homeownership goals. If you\u2019re hoping to buy a home this year, let\u2019s connect to review your options.<\/p>\n<p>Source: New feed<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Is the idea of saving for a down payment holding you back from buying a home right now? You may be eager to take advantage of today\u2019s low mortgage rates, but the thought of needing a large down payment might make you want to pump the brakes. Today, there\u2019s still a common myth that you [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":3393,"comment_status":"false","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"rop_custom_images_group":[],"rop_custom_messages_group":[],"rop_publish_now":"initial","rop_publish_now_accounts":{"facebook_10157519356927224_105287467588662":"","twitter_15771620_15771620":""},"rop_publish_now_history":[],"rop_publish_now_status":"pending","_exactmetrics_skip_tracking":false,"_exactmetrics_sitenote_active":false,"_exactmetrics_sitenote_note":"","_exactmetrics_sitenote_category":0,"_genesis_hide_title":false,"_genesis_hide_breadcrumbs":false,"_genesis_hide_singular_image":false,"_genesis_hide_footer_widgets":false,"_genesis_custom_body_class":"","_genesis_custom_post_class":"","_genesis_layout":"","jetpack_post_was_ever_published":false,"_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_publicize_message":"","jetpack_publicize_feature_enabled":true,"jetpack_social_post_already_shared":true,"jetpack_social_options":{"image_generator_settings":{"template":"highway","default_image_id":0,"font":"","enabled":false},"version":2}},"categories":[1],"tags":[54],"class_list":{"0":"post-3392","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-local-info","8":"tag-100-financing","9":"entry"},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Do I Really Need a 20% Down Payment to Buy a Home?&#8212;NWI Loan Guy Blog<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/nwiloanguy.com\/blog\/do-i-really-need-a-20-down-payment-to-buy-a-home\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Do I Really Need a 20% Down Payment to Buy a Home?&#8212;NWI Loan Guy Blog\" \/>\n<meta property=\"og:description\" content=\"Is the idea of saving for a down payment holding you back from buying a home right now? 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