You DON’T Need 20% Down to Buy a Home (2026 Loan Programs Explained)

Описание: Thinking about buying a home but still believe you need 20% down? That’s one of the biggest myths in real estate, and in this video, I break down what homebuyers actually need in 2026.

Whether you're a first-time buyer, veteran, or just exploring your options, understanding loan programs and down payment requirements can completely change your strategy.

In this video you'll learn:

✅ Conventional loan down payment options
✅ FHA loan requirements and mortgage insurance explained
✅ USDA zero-down programs for rural areas
✅ VA loan benefits for eligible veterans and surviving spouses
✅ Down payment assistance programs, and the hidden catches to watch for

Buying a home isn’t one-size-fits-all. The right program depends on your situation, goals, and eligibility, and knowing your options is the first step.

👉 If you want a no-pressure consultation to see which program fits you best, feel free to reach out.

I currently assist homebuyers in 48 states (excluding Utah and New York) and would be happy to help guide you through your home buying journey.

00:00 Introduction
00:07 Why the “20% down” myth still exists
00:55 Conventional loan down payments explained (3–5% options)
01:31 FHA loan overview (3.5% down + PMI explained)
02:14 USDA loans — zero down requirements
02:15 VA loan benefits (0% down + no PMI)
03:04 Down Payment Assistance programs — what to watch out for
04:08 Who these programs are best for
04:12 How to get personalized help

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