You Don't Need 20% Down to Buy a Home — The Real Options | EP 18 (Originally Published 2-3-26)

Twenty percent down has been hanging over first-time homebuyers like a rain cloud for decades. It feels like the rule. Like you're not ready to buy until you've got that number saved up, and if you don't have it, you're not serious. That's not actually true, and this episode proves it.Michael busts the 20% myth wide open — what the real down payment minimums are for FHA, conventional, VA, and USDA loans, what PMI is and when it actually matters versus when it doesn't, and how people are buying homes right now with 3%, 3.5%, or nothing down depending on their situation. The 20% rule is old. Your options aren't.If you've been waiting to buy because of a number you don't actually need, this episode is going to be a good day. Subscribe to Home Buying Made Easy because the gatekeepers were wrong.