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❌ Myth: You need 20% down to buy a home ✅ Reality: Most buyers put 3–5% down • First-time buyers can qualify for 3%–3.5% down programs • Conventional loans can be as low as 3% down • FHA loans = 3.5% down • VA & USDA loans = $0 down (yes, really) 💡 20% down is only required if you want to avoid PMI (not to buy a home) 📍 The real first step isn’t saving 20% — it’s getting pre-approved 📍 Down payment options depend on credit, income & loan type 📩 Comment “BUY” or DM me and I’ll break down what
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