Let’s Clear This One Up, Y’all.

There’s a real estate myth that just won’t die—like a bad rerun:

“You’ve gotta have 20% down to buy a home.”

Now, bless whoever started that rumor, but here’s the truth from someone who actually helps Texans buy homes every day:

👉 You do not need 20% down to buy a house.
In fact, most people—especially first-time buyers—don’t put anywhere near that much down.

So How Much Do Most Buyers Put Down?

📉 The median down payment for first-time buyers is just 9%.
And here in Texas, there are loan programs that let you buy a home with:

  • 3.5% down with an FHA loan

  • Or even 0% down with VA or USDA loans

Yes, you read that right. Zero. Percent. Down.
And no, you don’t have to be a millionaire or a unicorn to qualify.

🚨 Here's the Part No One Talks About:

Did you know 80% of first-time buyers qualify for some kind of down payment assistance…
…but only 13% actually use it?

That means a whole lot of folks are leaving money on the table—like, $17,000 on average.

💡 That’s money that could go toward your down payment, closing costs, or just helping you get the keys to your first place.

So What’s Stopping You?

If you’ve been thinking, “I’d love to buy, but I just haven’t saved enough,” this is your sign to dig a little deeper. Homeownership might be way more achievable than you thought.

Let’s Chat. I’ll Help You Get the Info You Need.

Whether you’re buying your first home, your next home, or your Texas forever home, you don’t have to figure it out alone.

✅ I can connect you with local lenders
✅ We can explore your options together
✅ And we’ll make a plan that fits you

🔍 Start here: downpaymentresource.com
📞 Or shoot me a message—I’ll help you sort through the myths and get moving.

 

For all your real estate needs, get Jacque!
Serving Montgomery, Lake Conroe, DFW & beyond.
#TexasHomes #GetJacque #DownPaymentHelp #HomeBuyingMyths #MontgomeryTXRealEstate #LakeConroeLiving #FirstTimeBuyerTX