Many buyers think 20% down is required—it isn’t. Depending on your eligibility, options may include 0% down (VA), low down payment (FHA, conventional programs), or local assistance programs that can reduce cash-to-close.

Your best path depends on credit profile, debt-to-income, and how long you plan to own the home. Lower down can preserve cash for improvements or furniture, while higher down can reduce your monthly payment and improve terms.

If you’re eyeing a Wynford Park new build, ask about builder incentives that can be paired with your loan program, sometimes a rate buydown or closing cost credit beats adding upgrades out-of-pocket.

Want an intro to local lenders who explain options clearly? Message Linda.