{"id":4603,"date":"2023-01-03T05:00:05","date_gmt":"2023-01-03T11:00:05","guid":{"rendered":"https:\/\/nwiloanguy.com\/blog\/wondering-how-much-you-need-to-save-for-a-down-payment\/"},"modified":"2023-01-04T12:49:41","modified_gmt":"2023-01-04T18:49:41","slug":"wondering-how-much-you-need-to-save-for-a-down-payment","status":"publish","type":"post","link":"https:\/\/nwiloanguy.com\/blog\/wondering-how-much-you-need-to-save-for-a-down-payment\/","title":{"rendered":"Wondering How Much 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\/2022\/12\/22133953\/wondering-how-much-you-need-to-save-for-a-down-payment-KCM-549x300.jpg?w=358&#038;ssl=1\" class=\"webfeedsFeaturedVisual wp-post-image\" alt=\"Wondering How Much 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>If you\u2019re getting ready to buy your first home, you\u2019re likely focused on saving up for everything that purchase involves. One cost that\u2019s likely top of mind is your down payment. But don&#8217;t let a common misconception about how much you need to save make the process harder than it could be.<span id=\"more-47703\"><\/span><\/p>\n<h4><strong>Understand 20% Isn\u2019t Always the Typical Down Payment<\/strong><\/h4>\n<p><em>Freddie Mac <\/em><a href=\"https:\/\/myhome.freddiemac.com\/buying\/down-payments-and-pmi\" target=\"_blank\" rel=\"nofollow noopener\">explains<\/a>:<\/p>\n<blockquote>\n<p><em>\u201c. . . nearly a third of prospective homebuyers think they need a down payment of 20% or more to buy a home. <strong>This myth remains one of the largest perceived barriers to achieving homeownership.<\/strong>\u201d<\/em><\/p>\n<\/blockquote>\n<p>Unless specified by your loan type or lender, it\u2019s typically not required to put 20% down. This means you could be closer to your homebuying dream than you realize. 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>National Association of Realtors<\/em><\/a> (NAR), the median down payment hasn\u2019t been over 20% since 2005. In fact, the median down payment today is only 14%. <strong>And it\u2019s even lower for first-time homebuyers at just 6%<\/strong> (s<em>ee graph below<\/em>):<\/p>\n<p><a href=\"https:\/\/i0.wp.com\/files.simplifyingthemarket.com\/wp-content\/uploads\/2022\/12\/22133955\/todays-median-down-payment-is-less-than-20-percent-MEM.png?ssl=1\" target=\"_blank\" rel=\"nofollow noopener\"><img data-recalc-dims=\"1\" decoding=\"async\" loading=\"lazy\" class=\"aligncenter wp-image-47705\" src=\"https:\/\/i0.wp.com\/files.simplifyingthemarket.com\/wp-content\/uploads\/2022\/12\/22133955\/todays-median-down-payment-is-less-than-20-percent-MEM.png?resize=650%2C488&#038;ssl=1\" alt=\"Wondering How Much You Need To Save for a Down Payment? | Simplifying The Market\" width=\"650\" height=\"488\" \/><\/a><\/p>\n<h4><strong>Learn About Options That Can Help You Toward Your Goal<\/strong><\/h4>\n<p>If saving for a down payment still feels like a challenge, know that there\u2019s help available. A real estate professional and trusted lender can show you options that could help you get closer to your down payment goal. According to latest <em>Homeownership Program Index<\/em> from <em>Down Payment Resource<\/em>, there are over 2,000 homebuyer assistance programs in the U.S., and the majority are intended to help with down payments.<\/p>\n<p>Plus there are even loan types, like <a href=\"https:\/\/www.hud.gov\/buying\/loans\" target=\"_blank\" rel=\"nofollow noopener\">FHA loans<\/a>, with down payments as low as 3.5%, as well as options like <a href=\"https:\/\/www.simplifyingthemarket.com\/2022\/11\/10\/va-loans-can-help-veterans-achieve-their-dream-of-homeownership\/?a=375140-ca8522ad04357da9549c08492a932f70\" target=\"_blank\" rel=\"nofollow noopener\">VA loans<\/a> and USDA loans with no down payment requirements for qualified applicants.<\/p>\n<p>To understand your options, be sure to do your homework. If you\u2019re interested in learning more about down payment assistance programs, information is available through sites like <a href=\"http:\/\/www.downpaymentresource.com\/\" target=\"_blank\" rel=\"nofollow noopener\"><em>Down Payment Resource<\/em><\/a>. Then, partner with a trusted lender to learn what you qualify for on your homebuying journey.<\/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. You\u2019ll also want to make sure you have a trusted lender so you can explore your down payment options.<\/p>\n<p>Source: New feed<\/p>\n","protected":false},"excerpt":{"rendered":"<p>If you\u2019re getting ready to buy your first home, you\u2019re likely focused on saving up for everything that purchase involves. One cost that\u2019s likely top of mind is your down payment. But don&#8217;t let a common misconception about how much you need to save make the process harder than it could be. Understand 20% Isn\u2019t [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":4604,"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-4603","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 v27.5 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Wondering How Much 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\/wondering-how-much-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=\"Wondering How Much You Need To Save for a Down Payment?&#8212;NWI Loan Guy Blog\" \/>\n<meta property=\"og:description\" content=\"If you\u2019re getting ready to buy your first home, you\u2019re likely focused on saving up for everything that purchase involves. 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