To Buy A Home — Do I Need 20 Down

: The median down payment for all buyers is roughly 13-15% .

: Depending on the loan type, you can often secure a home with as little as 3% to 3.5% down , or even 0% for qualified individuals. Loan Options with Low Down Payments do i need 20 down to buy a home

The idea that you need a to buy a home is one of the most persistent myths in real estate. While putting 20% down has clear financial benefits, it is not a requirement for the majority of modern mortgage programs. The Reality of Down Payments in 2026 : The median down payment for all buyers is roughly 13-15%

: For those buying their first home, the median is even lower, typically between 6% and 10% . the median is even lower