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Do You Really Need a 20% Down Payment to Buy a Home?

Feb 7, 2026 • 2 min read

Do You Really Need a 20% Down Payment to Buy a Home?

No, most homebuyers make a down payment that's well below 20%. Recent research suggests the typical down payment in 2025 was 14.4%.The 20% down payment myth has been around since the Great Depression, but buyers today can get loans with much lower down payment requirements.In this article, I'll explain more about down payment myths and realities. Among the many myths that go along with buying a h

Buying a Home

Recent Blogs

The Mortgage Myths That Hold Back Home Buyers
May 10, 2026 2 min read
The Mortgage Myths That Hold Back Home Buyers

Whether it's credit scores or down payments, a new survey suggests that many home buyers have the wrong impression of what it takes to get a home loan.In a recent* Veterans United Home Loans survey of soon-to-be-buyers, many said they expect to need a higher credit score and down payment than is really required. Let's talk about credit scores first.Survey: 57% said you need at least a 660 credit

What Matters More to Buyers: The House, or its Location?
May 5, 2026 2 min read
What Matters More to Buyers: The House, or its Location?

It's cliché, but the old real estate adage "location, location, location" is still as relevant as ever to home buyers.The National Association of Realtors recently published its 2026 Generational Trends Report, and the survey question about the compromises that buyers made last year caught my eye.Across every demographic, price was the No. 1 compromise. The report doesn't add any more detail, sad

Do You Really Need a 20% Down Payment to Buy a Home?
Feb 7, 2026 2 min read
Do You Really Need a 20% Down Payment to Buy a Home?

No, most homebuyers make a down payment that's well below 20%. Recent research suggests the typical down payment in 2025 was 14.4%.The 20% down payment myth has been around since the Great Depression, but buyers today can get loans with much lower down payment requirements.In this article, I'll explain more about down payment myths and realities. Among the many myths that go along with buying a h

Stop! These 6 Things Can Ruin Your Mortgage Application
Jan 28, 2026 3 min read
Stop! These 6 Things Can Ruin Your Mortgage Application

Probably every real estate agent has a story about a client who bought something big at the same time they were buying a house, and how that other purchase caused all kinds of chaos with their home loan.Once you've applied for a mortgage, you have to be extra cautious and conservative with anything involving your personal finances.Here are six key things to avoid after you apply for a mortgage an

Closing Costs for Homebuyers: A Quick Primer
Jan 19, 2026 2 min read
Closing Costs for Homebuyers: A Quick Primer

Closing costs are a collection of fees and payments above the price of the home you're buying. The payments are made to a variety of individuals and organizations who are involved with your transaction.If you're not familiar with closing costs, don't worry -- you're not alone. Many homebuyers, especially first-time buyers, aren't familiar with the financial side of a typical real estate transacti

Real Estate Tip: Don't Overlook Word-of-Mouth to Help Buy or Sell Your Home
Dec 5, 2025 2 min read
Real Estate Tip: Don't Overlook Word-of-Mouth to Help Buy or Sell Your Home

We're all so connected these days. It's easy for home buyers to assume that they're going to find the perfect home online (by doing a search on Tri-CitiesHomes.com, for example), or for home sellers to assume that your Realtor®'s amazing online marketing campaign is what's going to get the home sold.Both of those things happen -- no doubt about it. But there's more than one way to buy or sell a h

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