{"id":3499,"date":"2021-04-19T05:00:22","date_gmt":"2021-04-19T10:00:22","guid":{"rendered":"https:\/\/nwiloanguy.com\/blog\/how-much-time-do-you-need-to-save-for-a-down-payment\/"},"modified":"2021-04-19T05:00:22","modified_gmt":"2021-04-19T10:00:22","slug":"how-much-time-do-you-need-to-save-for-a-down-payment","status":"publish","type":"post","link":"https:\/\/nwiloanguy.com\/blog\/how-much-time-do-you-need-to-save-for-a-down-payment\/","title":{"rendered":"How Much Time Do You Need To Save for a Down Payment?"},"content":{"rendered":"<p><img data-recalc-dims=\"1\" decoding=\"async\"  src=\"https:\/\/i0.wp.com\/files.simplifyingthemarket.com\/wp-content\/uploads\/2021\/04\/15142633\/20210419-KCM-Share-549x300.jpg?w=358&#038;ssl=1\" class=\"webfeedsFeaturedVisual wp-post-image\" alt=\"How Much Time Do You Need To Save for a Down Payment? | Simplifying The Market\" loading=\"lazy\" style=\"margin-bottom: 5px;clear:both;max-width: 100%\" \/><\/p>\n<p>One of the biggest hurdles homebuyers face is saving for a down payment. As you\u2019re budgeting and planning for your home purchase, you\u2019ll want to understand how much you\u2019ll need to put down and how long it will take you to get there. The process may actually move faster than you think.<span id=\"more-44208\"><\/span><\/p>\n<p>Using <a href=\"https:\/\/www.huduser.gov\/portal\/datasets\/il\/il20\/Medians2020r.pdf\" target=\"_blank\" rel=\"nofollow noopener noreferrer\">data<\/a> from the <em>U.S. Department of Housing and Urban Development<\/em> (HUD) and <a href=\"https:\/\/www.apartmentlist.com\/rentonomics\/rental-data\/\" target=\"_blank\" rel=\"nofollow noopener noreferrer\"><em>Apartment List<\/em><\/a><em>,<\/em>\u00a0we can estimate how long it might take someone earning the median income and paying the median rent to save up for a down payment on a median-priced home. Since saving for a down payment can be a great time to practice budgeting for housing costs, this estimate also uses the\u00a0<a href=\"http:\/\/www.investopedia.com\/terms\/t\/twenty-eight-thirty-six-rule.asp\" target=\"_blank\" rel=\"nofollow noopener noreferrer\">concept<\/a>\u00a0that a household should not pay more than 28% of their total income on monthly housing expenses.<\/p>\n<p>According to the data, the national average for the time it would take to save for a 10% down payment is right around two and a half years (2.53). Residents in Iowa can save for a down payment the fastest, doing so in just over one year (1.31). The map below illustrates this time (in years) for each state:<a href=\"https:\/\/i0.wp.com\/files.simplifyingthemarket.com\/wp-content\/uploads\/2021\/04\/15142637\/20210419-MEM-Eng-1.png?ssl=1\" target=\"_blank\" rel=\"nofollow noopener noreferrer\"><img data-recalc-dims=\"1\" decoding=\"async\" loading=\"lazy\" class=\"aligncenter wp-image-44211\" src=\"https:\/\/i0.wp.com\/files.simplifyingthemarket.com\/wp-content\/uploads\/2021\/04\/15142637\/20210419-MEM-Eng-1.png?resize=650%2C488&#038;ssl=1\" alt=\"How Much Time Do You Need To Save for a Down Payment? | Simplifying The Market\" width=\"650\" height=\"488\" \/><\/a><\/p>\n<h4><strong>What if you only need to save 3%?<\/strong><\/h4>\n<p>What if you\u2019re able to take advantage of one of the 3% down payment programs available? It\u2019s a common <a href=\"https:\/\/www.simplifyingthemarket.com\/2021\/02\/03\/do-i-really-need-a-20-down-payment-to-buy-a-home\/?a=375140-ca8522ad04357da9549c08492a932f70\" target=\"_blank\" rel=\"nofollow noopener noreferrer\">misconception<\/a> that you need a 20% down payment to buy a home, but there are actually more affordable options and down payment assistance programs available, especially for first-time buyers. The reality is, <strong>saving for a 3% down payment may not take several years<\/strong>. In fact, it could take less than a year in most states, as shown in the map below:<a href=\"https:\/\/i0.wp.com\/files.simplifyingthemarket.com\/wp-content\/uploads\/2021\/04\/15142635\/20210419-MEM-Eng-2.png?ssl=1\" target=\"_blank\" rel=\"nofollow noopener noreferrer\"><img data-recalc-dims=\"1\" decoding=\"async\" loading=\"lazy\" class=\"aligncenter wp-image-44210\" src=\"https:\/\/i0.wp.com\/files.simplifyingthemarket.com\/wp-content\/uploads\/2021\/04\/15142635\/20210419-MEM-Eng-2.png?resize=650%2C488&#038;ssl=1\" alt=\"How Much Time Do You Need To Save for a Down Payment? | Simplifying The Market\" width=\"650\" height=\"488\" \/><\/a><\/p>\n<h3><strong>Bottom Line<\/strong><\/h3>\n<p>Wherever you are in the process of saving for a down payment, you may be closer to your dream home than you think. Let\u2019s connect to explore the down payment options available in our area and how they support your plans.<\/p>\n<p>Source: New feed<\/p>\n","protected":false},"excerpt":{"rendered":"<p>One of the biggest hurdles homebuyers face is saving for a down payment. As you\u2019re budgeting and planning for your home purchase, you\u2019ll want to understand how much you\u2019ll need to put down and how long it will take you to get there. The process may actually move faster than you think. Using data from [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":3500,"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-3499","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>How Much Time Do You Need To Save for a Down Payment?&#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\/how-much-time-do-you-need-to-save-for-a-down-payment\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"How Much Time Do You Need To Save for a Down Payment?&#8212;NWI Loan Guy Blog\" \/>\n<meta property=\"og:description\" content=\"One of the biggest hurdles homebuyers face is saving for a down payment. As you\u2019re budgeting and planning for your home purchase, you\u2019ll want to understand how much you\u2019ll need to put down and how long it will take you to get there. The process may actually move faster than you think. Using data from [&hellip;]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/nwiloanguy.com\/blog\/how-much-time-do-you-need-to-save-for-a-down-payment\/\" \/>\n<meta property=\"og:site_name\" content=\"NWI Loan Guy Blog\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/NWIHomeLoans\" \/>\n<meta property=\"article:author\" content=\"https:\/\/www.facebook.com\/NWIHomeLoans\" \/>\n<meta property=\"article:published_time\" content=\"2021-04-19T10:00:22+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/i2.wp.com\/nwiloanguy.com\/blog\/wp-content\/uploads\/2021\/04\/20210419-KCM-Share-549x300-1.jpg?fit=549%2C300&ssl=1\" \/>\n\t<meta property=\"og:image:width\" content=\"549\" \/>\n\t<meta property=\"og:image:height\" content=\"300\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Scott\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" 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