{"id":3778,"date":"2021-09-22T05:00:13","date_gmt":"2021-09-22T10:00:13","guid":{"rendered":"https:\/\/nwiloanguy.com\/blog\/is-a-20-down-payment-really-necessary-to-purchase-a-home\/"},"modified":"2021-09-22T05:00:13","modified_gmt":"2021-09-22T10:00:13","slug":"is-a-20-down-payment-really-necessary-to-purchase-a-home","status":"publish","type":"post","link":"https:\/\/nwiloanguy.com\/blog\/is-a-20-down-payment-really-necessary-to-purchase-a-home\/","title":{"rendered":"Is a 20% Down Payment Really Necessary To Purchase a Home?"},"content":{"rendered":"<p><img data-recalc-dims=\"1\" decoding=\"async\"  src=\"https:\/\/i0.wp.com\/files.simplifyingthemarket.com\/wp-content\/uploads\/2021\/09\/17143210\/20210922-KCM-Share-549x300.jpg?w=358&#038;ssl=1\" class=\"webfeedsFeaturedVisual wp-post-image\" alt=\"Is a 20% Down Payment Really Necessary To Purchase a Home? | Simplifying The Market\" loading=\"lazy\" style=\"margin-bottom: 5px;clear:both;max-width: 100%\" \/><\/p>\n<p>There\u2019s a common misconception that, as a <a href=\"https:\/\/www.simplifyingthemarket.com\/2021\/09\/10\/fact-or-fiction-homebuyer-edition-infographic\/?a=375140-ca8522ad04357da9549c08492a932f70\" target=\"_blank\" rel=\"nofollow noopener\">homebuyer<\/a>, you need to come up with 20% of the total sale price for your down payment. In fact, a recent survey by <a href=\"https:\/\/www.lendingtree.com\/home\/mortgage\/homeownership-renting-survey\/\" target=\"_blank\" rel=\"nofollow noopener\"><em>Lending Tree<\/em><\/a> asks what is keeping consumers from purchasing a home. <strong>For over half of those surveyed, the ability to afford a down payment is the biggest hurdle.<\/strong><span id=\"more-45190\"><\/span><\/p>\n<p>That may be because those individuals assume a 20% down payment is necessary. While putting more money down if you\u2019re able can <a href=\"https:\/\/www.simplifyingthemarket.com\/2021\/03\/01\/what-are-the-benefits-of-a-20-down-payment\/?a=375140-ca8522ad04357da9549c08492a932f70\" target=\"_blank\" rel=\"nofollow noopener\">benefit<\/a> buyers, putting 20% down is not mandatory. As <a href=\"https:\/\/sf.freddiemac.com\/articles\/insights\/down-payments-helping-future-borrowers-bridge-the-awareness-gap\" target=\"_blank\" rel=\"nofollow noopener\"><em>Freddie Mac<\/em><\/a> puts it:<\/p>\n<blockquote>\n<p>\u201c<em>The most damaging down payment myth\u2014since it stops the homebuying process before it can start\u2014<strong>is the belief that 20% is necessary<\/strong>.\u201d<\/em><\/p>\n<\/blockquote>\n<p>If saving that much money sounds overwhelming, you might be ready to give up on the dream of homeownership before you even begin \u2013 but you don\u2019t have to. According to 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\"><em>Profile of Home Buyers and Sellers<\/em><\/a> from the <em>National Association of Realtors<\/em> (NAR), the median down payment hasn\u2019t been over 20% since 2005. <strong>It may sound surprising, but today\u2019s average down payment is only 12%.<\/strong> That number is even lower for <a href=\"https:\/\/www.simplifyingthemarket.com\/2021\/08\/20\/options-for-first-time-homebuyers-infographic\/?a=375140-ca8522ad04357da9549c08492a932f70\" target=\"_blank\" rel=\"nofollow noopener\">first-time homebuyers<\/a>, whose average down payment is only 7%.<\/p>\n<p>Based on the <a href=\"https:\/\/www.nar.realtor\/sites\/default\/files\/documents\/2021-home-buyers-and-sellers-generational-trends-03-16-2021.pdf\" target=\"_blank\" rel=\"nofollow noopener\"><em>Home Buyers and Sellers Generational Trends Report<\/em><\/a> from NAR, the graph below shows an even closer look at the down payment percentage various age groups pay:<a href=\"https:\/\/i0.wp.com\/files.simplifyingthemarket.com\/wp-content\/uploads\/2021\/09\/17143211\/20210922-MEM-Eng-1.png?ssl=1\" target=\"_blank\" rel=\"nofollow noopener\"><img data-recalc-dims=\"1\" decoding=\"async\" loading=\"lazy\" class=\"aligncenter wp-image-45192\" src=\"https:\/\/i0.wp.com\/files.simplifyingthemarket.com\/wp-content\/uploads\/2021\/09\/17143211\/20210922-MEM-Eng-1.png?resize=650%2C488&#038;ssl=1\" alt=\"Is a 20% Down Payment Really Necessary To Purchase a Home? | Simplifying The Market\" width=\"650\" height=\"488\" \/><\/a>As the graph shows, the only groups who put 20% or more down on average are older homebuyers who likely can use the sale of an existing home to fuel a larger down payment on their next home.<\/p>\n<h4><strong>What does this mean for you?<\/strong><\/h4>\n<p>If you\u2019re a prospective homebuyer, it\u2019s important to know you don\u2019t have to put the full 20% down. And while <a href=\"https:\/\/www.simplifyingthemarket.com\/2021\/04\/19\/how-much-time-do-you-need-to-save-for-a-down-payment\/?a=375140-ca8522ad04357da9549c08492a932f70\" target=\"_blank\" rel=\"nofollow noopener\">saving<\/a> for any down payment amount may feel like a challenge, keep in mind there are programs for qualified buyers that allow them to purchase a home with a down payment as low as 3.5%. There are also options like VA loans and USDA loans with no down payment requirements for qualified applicants.<\/p>\n<p>To understand your options, you do need to do your homework. If you\u2019re interested in learning more about <a href=\"https:\/\/www.simplifyingthemarket.com\/2020\/10\/27\/how-down-payment-assistance-opens-the-door-to-homeownership\/?a=375140-ca8522ad04357da9549c08492a932f70\" target=\"_blank\" rel=\"nofollow noopener\">down payment assistance<\/a> programs, information is available through sites like <a href=\"https:\/\/downpaymentresource.com\/\" target=\"_blank\" rel=\"nofollow noopener\"><em>downpaymentresource.com<\/em><\/a><em>.<\/em> Be sure to also work with a real estate advisor 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 the myth of the 20% down payment halt your homebuying process before it begins. If you want to purchase a home this year, let\u2019s connect to start the conversation and explore your options.<\/p>\n<p>Source: New feed<\/p>\n","protected":false},"excerpt":{"rendered":"<p>There\u2019s a common misconception that, as a homebuyer, you need to come up with 20% of the total sale price for your down payment. In fact, a recent survey by Lending Tree asks what is keeping consumers from purchasing a home. For over half of those surveyed, the ability to afford a down payment is [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":3779,"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-3778","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>Is a 20% Down Payment Really Necessary To Purchase 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\/is-a-20-down-payment-really-necessary-to-purchase-a-home\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Is a 20% Down Payment Really Necessary To Purchase a Home?&#8212;NWI Loan Guy Blog\" \/>\n<meta property=\"og:description\" content=\"There\u2019s a common misconception that, as a homebuyer, you need to come up with 20% of the total sale price for your down payment. 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