The 20% down payment myth is the single biggest thing keeping people from buying.
Here's what you actually need:
I've closed purchases where the buyer brought $12K total to the table.
Yes, putting less than 20% down means PMI. But PMI on a conventional loan is usually $100-200/month and drops off once you hit 20% equity. That's way cheaper than renting for 3 more years while you try to save.
Run your actual numbers before you assume you can't afford it.
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