The Truth About Down Payments (Hint: You Don't Need 20%)

“We want to buy, but we just don’t have 20% saved yet.”

I hear this a lot and if that’s where you’re at, I want you to know: you’re not alone, and that number is a myth.

Today’s homebuyers, especially in Mesa, Gilbert, and Queen Creek, are getting into homes with 3% down, 5% down, and even zero down if they qualify for VA or USDA and even some specialty Hometown Hero programs. And yes you can still get a great house (with a backyard for the dogs) without draining your savings.

Many of my clients are dual-income, no kids, and ready to stop renting but they’re stuck on the idea they need a huge chunk of cash upfront. Here’s the truth:

✅ You don’t need 20%
✅ You can get help with closing costs (especially with new builds)
✅ I’ve helped buyers combine down payment assistance with builder incentives, like the current Mattamy Homes deal at Empire Pointe, 50% off design center selections plus a 6% closing cost credit

Want quartz counters and a fenced yard without selling your soul to your landlord? Let’s talk.

You don’t have to figure this out alone. DM me or click over to book a zero-pressure consult.