Can’t Afford a Down Payment? You Might Not Need One.

One of the biggest myths in homebuying is this:

“You need 20% down to buy a home.”

False.

Many buyers today are purchasing with as little as 0–3.5% down — and in plenty of cases, that doesn’t even come from their own savings.

Programs like the $200K Home Access Plan, GSFA Platinum, CalHFA, and others allow buyers to:

✅ Get up to 5% in assistance

✅ Cover closing costs

✅ Stack aid with FHA, VA, or conventional

✅ Lock in competitive rates — not junk loans

I recently helped a first-time buyer close with less than $1,000 out of pocket — and they almost didn’t even try because they assumed they had to save more.

Down payment assistance isn’t just possible — it’s powerful.

If you’re unsure what’s available near you, or you’re working with clients who want to buy but think they can’t… this can change the game.

Let’s walk through your options.