The down payment is usually the number-one barrier to buying. But there are programs and strategies that reduce — or nearly eliminate — that barrier.
'I don't have the down payment' is the phrase that stops first-time buyers most. The reality is that many qualify for assistance no one ever explained. These are the most common routes.
- ✓FHA loans with reduced down payment for qualified buyers
- ✓Assistance programs for down payment and closing costs
- ✓Owner financing on select properties
- ✓Documented family gift funds depending on the lender
The first step is an honest conversation
Not every program applies to everyone. We review your profile at no cost and I connect you with trusted lenders to see exactly how much you need — often less than you feared.
ⓘ This article is educational guidance, not legal, tax or financial advice. Confirm your particular situation with your CPA, attorney or lender before deciding.
Ready for the next step?
Talk to Kelvin