Marcus tapped the third circle. "That's where Down Payment Assistance programs come in. The state and the county have funds set aside for first-time homebuyers. If you qualify based on your income, they will literally give you a grant or a soft second mortgage to cover the down payment and closing costs. To you, it feels like zero down."
The neon sign on the diner window read Open , but inside, Clara felt completely stuck. She pushed a stray lock of dark hair behind her ear and stared at the spreadsheet on her laptop. Down Payment Goal: $40,000.Saved So Far: $4,200. buy a home with zero down
"They do, and the interest rates are usually lower than conventional loans," Marcus replied. He pointed to the second circle. "Then, there are VA loans. You didn't serve in the military, but for anyone who did, it’s the best zero-down option on the market." Marcus tapped the third circle
Two months later, Clara stood on a gravel driveway. The air smelled of damp earth and pine needles. Behind her, the river rushed softly in the distance. In front of her stood a modest, cream-colored ranch house with a wide front porch and a big yard. If you qualify based on your income, they
Clara stared at the napkin. The heavy weight that had been sitting in her chest for the last year suddenly felt a little lighter. "Is there a catch?"