Do You Actually Need 20% Down? Let’s Talk Reality.

Do you really need 20% down to buy a home? Maybe… but not always. In this episode, Katie breaks down what 20% down actually does, when putting less down can be the safer play (yes, really), and why an emergency fund might matter more than internet rules. Key takeaways: What 20% down helps with (and what it doesn’t) The tradeoff between PMI and preserving cash reserves A simple checklist for choosing a down payment you can live with