{"id":3961,"date":"2022-01-03T05:00:39","date_gmt":"2022-01-03T11:00:39","guid":{"rendered":"https:\/\/nwiloanguy.com\/blog\/how-much-do-you-need-for-your-down-payment\/"},"modified":"2022-01-03T05:00:39","modified_gmt":"2022-01-03T11:00:39","slug":"how-much-do-you-need-for-your-down-payment","status":"publish","type":"post","link":"https:\/\/nwiloanguy.com\/blog\/how-much-do-you-need-for-your-down-payment\/","title":{"rendered":"How Much Do You Need for Your Down Payment?"},"content":{"rendered":"<p><img data-recalc-dims=\"1\" decoding=\"async\"  src=\"https:\/\/i0.wp.com\/files.simplifyingthemarket.com\/wp-content\/uploads\/2021\/12\/21164238\/20220103-KCM-Share-549x300.jpg?w=358&#038;ssl=1\" class=\"webfeedsFeaturedVisual wp-post-image\" alt=\"How Much Do You Need for Your Down Payment? | Simplifying The Market\" loading=\"lazy\" style=\"margin-bottom: 5px;clear:both;max-width: 100%\" \/><\/p>\n<p>As you set out on your homebuying journey, you likely have a plan in place, and you\u2019re working on saving for your purchase. But do you know how much you actually need for your down payment?<span id=\"more-45761\"><\/span><\/p>\n<p>If you think you have to put 20% down, you may have set your goal based on a common misconception. <em>Freddie Mac<\/em> <a href=\"https:\/\/sf.freddiemac.com\/articles\/insights\/down-payments-helping-future-borrowers-bridge-the-awareness-gap\" target=\"_blank\" rel=\"nofollow noopener\">says<\/a>:<\/p>\n<blockquote>\n<p><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><\/p>\n<\/blockquote>\n<p>Unless specified by your loan type or lender, <strong>it\u2019s typically not required to put 20% down<\/strong>. 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. It may sound surprising, but today, that number is only 13%. And it\u2019s even lower for <a href=\"https:\/\/www.simplifyingthemarket.com\/2021\/12\/14\/advice-for-first-generation-homebuyers\/?a=375140-ca8522ad04357da9549c08492a932f70\" target=\"_blank\" rel=\"nofollow noopener\">first-time<\/a> homebuyers, <strong>whose median down payment is only 7%<\/strong> <em>(see graph below)<\/em>:<\/p>\n<p><a href=\"https:\/\/i0.wp.com\/files.simplifyingthemarket.com\/wp-content\/uploads\/2021\/12\/21164240\/20220103-MEM-Eng-1.png?ssl=1\" target=\"_blank\" rel=\"nofollow noopener\"><img data-recalc-dims=\"1\" decoding=\"async\" loading=\"lazy\" class=\"aligncenter wp-image-45766\" src=\"https:\/\/i0.wp.com\/files.simplifyingthemarket.com\/wp-content\/uploads\/2021\/12\/21164240\/20220103-MEM-Eng-1.png?resize=650%2C488&#038;ssl=1\" alt=\"How Much Do You Need for Your Down Payment? | Simplifying The Market\" width=\"650\" height=\"488\" \/><\/a><\/p>\n<h4><strong>What Does This Mean for You?<\/strong><\/h4>\n<p>While a down payment of 20% or more does have <a href=\"https:\/\/www.simplifyingthemarket.com\/2021\/12\/22\/the-perks-of-putting-20-down-on-a-home\/?a=375140-ca8522ad04357da9549c08492a932f70\" target=\"_blank\" rel=\"nofollow noopener\">benefits<\/a>, the typical buyer is putting far less down. That\u2019s good news for you because it means you could be closer to your <a href=\"https:\/\/www.simplifyingthemarket.com\/2021\/12\/02\/tips-for-single-homebuyers-how-to-make-your-dream-a-reality\/?a=375140-ca8522ad04357da9549c08492a932f70\" target=\"_blank\" rel=\"nofollow noopener\">homebuying dream<\/a> than you realize.<\/p>\n<p>If you\u2019re interested in learning more about low down payment options, there are several places to go. There are programs for qualified buyers with down payments 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 need to do your homework. If you\u2019re interested in learning more about down payment assistance programs, information is available through sites like <a href=\"https:\/\/downpaymentresource.com\/\" target=\"_blank\" rel=\"nofollow noopener\"><em>downpaymentresource.com<\/em><\/a>. Be sure to also work with a <a href=\"https:\/\/www.simplifyingthemarket.com\/2021\/11\/26\/reasons-to-hire-a-real-estate-professional-infographic\/?a=375140-ca8522ad04357da9549c08492a932f70\" target=\"_blank\" rel=\"nofollow noopener\">real estate advisor<\/a> from the start to learn what you may qualify for in the <a href=\"https:\/\/www.simplifyingthemarket.com\/2021\/11\/30\/home-is-where-the-heart-is-more-than-ever-this-year\/?a=375140-ca8522ad04357da9549c08492a932f70\" target=\"_blank\" rel=\"nofollow noopener\">homebuying<\/a> process.<\/p>\n<h3><strong>Bottom Line<\/strong><\/h3>\n<p>Remember: a 20% down payment isn\u2019t always required. If you want to purchase a home this year, let\u2019s connect to start the conversation and explore your down payment options.<\/p>\n<p>Source: New feed<\/p>\n","protected":false},"excerpt":{"rendered":"<p>As you set out on your homebuying journey, you likely have a plan in place, and you\u2019re working on saving for your purchase. But do you know how much you actually need for your down payment? If you think you have to put 20% down, you may have set your goal based on a common [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":3962,"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-3961","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 Do You Need for Your 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-do-you-need-for-your-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 Do You Need for Your Down Payment?&#8212;NWI Loan Guy Blog\" \/>\n<meta property=\"og:description\" content=\"As you set out on your homebuying journey, you likely have a plan in place, and you\u2019re working on saving for your purchase. 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