{"id":22774,"date":"2026-03-06T08:41:13","date_gmt":"2026-03-06T13:41:13","guid":{"rendered":"https:\/\/jakemainesrealtor.com\/?p=22774"},"modified":"2026-04-07T16:48:29","modified_gmt":"2026-04-07T20:48:29","slug":"how-much-down-payment-on-a-house-do-you-need","status":"publish","type":"post","link":"https:\/\/jakemainesrealtor.com\/new2026\/blog\/how-much-down-payment-on-a-house-do-you-need\/","title":{"rendered":"Unlocking the Answer: How Much Down Payment on a House Do You Need?"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"22774\" class=\"elementor elementor-22774\" data-elementor-post-type=\"post\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-2bef34a elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"2bef34a\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-855d5dd\" data-id=\"855d5dd\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-a016312 elementor-widget elementor-widget-text-editor\" data-id=\"a016312\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">If you\u2019re thinking about buying a home, one of the first, and most intimidating, questions that comes up is: \u201cHow much <\/span><span style=\"font-weight: 400;\">down payment<\/span><span style=\"font-weight: 400;\"> do I actually need?\u201d You\u2019ve probably heard everything from \u201c20% or don\u2019t bother\u201d to \u201cYou can buy with almost nothing down,\u201d which only adds to the confusion.<\/span><\/p><p><span style=\"font-weight: 400;\">The truth is, the right <\/span><span style=\"font-weight: 400;\">down payment<\/span><span style=\"font-weight: 400;\"> depends on your finances, loan type, and long-term goals. Here\u2019s what to think about when you\u2019re looking for answers, so you can break down your options and understand how much <\/span><em><strong>down payment<\/strong><\/em><span style=\"font-weight: 400;\"><em><strong> on a house<\/strong><\/em> you truly need to move forward with confidence.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8ac7da4 elementor-widget elementor-widget-shortcode\" data-id=\"8ac7da4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"shortcode.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-shortcode\">        \n            \n            <div class=\"fit_content\">\n                <div class=\"bd_toc_container\" data-fixedWidth=\"\">\n                    <div class=\"bd_toc_wrapper\" data-wrapperPadding=\"90px\">\n                        <div class=\"bd_toc_wrapper_item\">\n                            <div class=\"bd_toc_header active\" data-headerPadding=\"2px\">\n                                <div class=\"bd_toc_header_title\">\n                                    Table of Contents                                <\/div>\n                                <div class=\"bd_toc_switcher_hide_show_icon\">\n                                    <span class=\"bd_toc_arrow\"><\/span>                                <\/div>\n                            <\/div>\n                            <div class=\"bd_toc_content list-type-none\">\n                                <div class=\"bd_toc_content_list \">\n                                    <div class='bd_toc_content_list_item'>    <ul>\n      <li class=\"first\">\n        <a href=\"#key-takeaways\">Key Takeaways<\/a>\n      <\/li>\n      <li>\n        <a href=\"#are-you-ready-to-buy-a-home\">Are You Ready to Buy a Home?<\/a>\n      <\/li>\n      <li>\n        <a href=\"#what-is-a-house-down-payment\">What Is a House Down Payment?\n<\/a>\n      <\/li>\n      <li>\n        <a href=\"#the-type-of-mortgage-loan-can-affect-how-much-down-payment-on-a-house-is-needed\">The Type of Mortgage Loan Can Affect How Much Down Payment on a House Is Needed<\/a>\n        <ul class=\"menu_level_2\">\n          <li class=\"first\">\n            <a href=\"#conventional-home-loan-minimum-down-payment\">Conventional Home Loan Minimum Down Payment<\/a>\n          <\/li>\n          <li>\n            <a href=\"#fha-loans-minimum-down-payment-requirements\">FHA Loans Minimum Down Payment Requirements<\/a>\n          <\/li>\n          <li>\n            <a href=\"#how-much-down-payment-on-a-house-with-va-loans\">How Much Down Payment On A House With VA Loans?<\/a>\n          <\/li>\n          <li class=\"last\">\n            <a href=\"#how-much-down-payment-on-a-house-with-usda-loans\">How Much Down Payment On A House With USDA Loans?<\/a>\n          <\/li>\n        <\/ul>\n      <\/li>\n      <li>\n        <a href=\"#down-payment-assistance-minimum-house-down-payment-requirements-explained\">Down Payment Assistance: Minimum House Down Payment Requirements Explained<\/a>\n      <\/li>\n      <li>\n        <a href=\"#let-jake-demystify-minimum-house-down-payments-for-you\">Let Jake Demystify Minimum House Down Payments For You!<\/a>\n      <\/li>\n      <li class=\"last\">\n        <a href=\"#faq-about-putting-a-down-payment-on-a-house\">FAQ About Putting a Down Payment on a House\n<\/a>\n        <ul class=\"menu_level_2\">\n          <li class=\"first\">\n            <a href=\"#do-i-really-need-20-down-to-buy-a-house\">\n\t\t\t\t\t\t\t\t\t\t\t\tDo I really need 20% down to buy a house?\n\t\t\t\t\t<\/a>\n          <\/li>\n          <li>\n            <a href=\"#what-is-the-minimum-down-payment-on-a-house-for-a-first-time-home-buyer\">\n\t\t\t\t\t\t\t\t\t\t\t\tWhat is the minimum down payment on a house for a first-time home buyer?\n\t\t\t\t\t<\/a>\n          <\/li>\n          <li>\n            <a href=\"#is-it-better-to-put-more-money-down-on-a-house\">\n\t\t\t\t\t\t\t\t\t\t\t\tIs it better to put more money down on a house?\n\t\t\t\t\t<\/a>\n          <\/li>\n          <li>\n            <a href=\"#what-happens-if-i-put-less-than-20-down-when-buying-a-house\">\n\t\t\t\t\t\t\t\t\t\t\t\tWhat happens if I put less than 20% down when buying a house?\n\t\t\t\t\t<\/a>\n          <\/li>\n          <li>\n            <a href=\"#can-i-buy-a-house-with-no-money-down\">\n\t\t\t\t\t\t\t\t\t\t\t\tCan I buy a house with no money down?\n\t\t\t\t\t<\/a>\n          <\/li>\n          <li>\n            <a href=\"#what-is-down-payment-assistance-for-buying-a-house\">\n\t\t\t\t\t\t\t\t\t\t\t\tWhat is down payment assistance for buying a house?\n\t\t\t\t\t<\/a>\n          <\/li>\n          <li>\n            <a href=\"#how-does-my-credit-score-affect-my-house-down-payment\">\n\t\t\t\t\t\t\t\t\t\t\t\tHow does my credit score affect my house down payment?\n\t\t\t\t\t<\/a>\n          <\/li>\n          <li>\n            <a href=\"#are-there-loan-limits-for-buying-a-house-i-should-know-about\">\n\t\t\t\t\t\t\t\t\t\t\t\tAre there loan limits for buying a house I should know about?\n\t\t\t\t\t<\/a>\n          <\/li>\n          <li>\n            <a href=\"#should-i-use-all-my-savings-for-a-down-payment-on-a-house\">\n\t\t\t\t\t\t\t\t\t\t\t\tShould I use all my savings for a down payment on a house?\n\t\t\t\t\t<\/a>\n          <\/li>\n          <li class=\"last\">\n            <a href=\"#how-do-i-know-how-much-house-down-payment-is-right-for-me\">\n\t\t\t\t\t\t\t\t\t\t\t\tHow do I know how much house down payment is right for me?\n\t\t\t\t\t<\/a>\n            <ul class=\"menu_level_3\">\n              <li class=\"first\">\n                <a href=\"#for-more-info-on-minimum-house-down-payments\">For More Info On Minimum House Down Payments<\/a>\n              <\/li>\n              <li class=\"last\">\n                <a href=\"#for-expert-advice-on-how-much-down-payment-on-a-house-is-needed-contact-jake-maines-today\">For Expert Advice On How Much Down Payment On A House Is Needed:Contact Jake Maines Today!<\/a>\n              <\/li>\n            <\/ul>\n          <\/li>\n        <\/ul>\n      <\/li>\n    <\/ul>\n<\/div>                                <\/div>\n                            <\/div>\n                        <\/div>\n                    <\/div>\n                    <div class=\"layout_toggle_button\">\n                        <span class=\"bd_toc_arrow\"><\/span>\n                    <\/div>\n                <\/div>\n            <\/div>\n\n    <\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ff1b92e elementor-widget elementor-widget-text-editor\" data-id=\"ff1b92e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h2 id='key-takeaways'  id=\"boomdevs_1\"><strong>Key Takeaways<\/strong><\/h2><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">A <\/span><span style=\"font-weight: 400;\">down payment<\/span><span style=\"font-weight: 400;\"> is often required to buy a home and is the cash you put down toward the purchase. Your <\/span><span style=\"font-weight: 400;\">lender<\/span><span style=\"font-weight: 400;\"> can help you understand the <\/span><span style=\"font-weight: 400;\">minimum down payment<\/span><span style=\"font-weight: 400;\"> on a house as a <\/span><span style=\"font-weight: 400;\">first-time buyer<\/span><span style=\"font-weight: 400;\">.<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">The amount of a house <\/span><span style=\"font-weight: 400;\">down payment<\/span><span style=\"font-weight: 400;\"> is dependent on the loan program you select.<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">How much <\/span><span style=\"font-weight: 400;\">down payment<\/span><span style=\"font-weight: 400;\"> on a house depends on various factors, and there can be financial benefits to both a <\/span><span style=\"font-weight: 400;\">larger down payment<\/span><span style=\"font-weight: 400;\"> and a <\/span><span style=\"font-weight: 400;\">smaller down payment<\/span><span style=\"font-weight: 400;\">, depending on your goals.\u00a0<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">If your <\/span><span style=\"font-weight: 400;\">minimum down payment requirement<\/span><span style=\"font-weight: 400;\"> is lower, that could mean that you\u2019re able to buy a home sooner.<br \/><\/span>For those who need help, down payment assistance programs are available for potential buyers who qualify.<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1589c8a elementor-widget elementor-widget-heading\" data-id=\"1589c8a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 id='are-you-ready-to-buy-a-home'  id=\"boomdevs_2\" class=\"elementor-heading-title elementor-size-default\">Are You Ready to Buy a Home?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c754494 elementor-widget elementor-widget-image\" data-id=\"c754494\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/jakemainesrealtor.com\/new2026\/wp-content\/uploads\/elementor\/thumbs\/understanding-down-payment-on-a-house-scaled-qvr555u1od2u2abahy336wmbises7de94mtewi9vzk-1-rn5rps9x3y10gosnthsanbzfp5ira3732pr2yjk75c.webp\" title=\"understanding down payment on a house\" alt=\"understanding down payment on a house\" loading=\"lazy\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d9887ca elementor-widget elementor-widget-text-editor\" data-id=\"d9887ca\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Buying a home is an exciting step, but it\u2019s also a big one. Before you dive in, it\u2019s important to make sure you truly feel financially ready. That starts with understanding your budget, your monthly comfort level, and how a mortgage payment will fit into your overall financial picture.<\/span><\/p><p><span style=\"font-weight: 400;\">One of the most common questions <\/span><span style=\"font-weight: 400;\">first-time buyers<\/span><span style=\"font-weight: 400;\"> ask is, \u201cHow much do I need for a <\/span><span style=\"font-weight: 400;\">down payment<\/span><span style=\"font-weight: 400;\">?\u201d And the honest answer is, it depends. The amount you\u2019ll need for a <\/span><span style=\"font-weight: 400;\">down payment<\/span><span style=\"font-weight: 400;\"> on your <\/span><span style=\"font-weight: 400;\">first home<\/span><span style=\"font-weight: 400;\"> can vary based on the <\/span><span style=\"font-weight: 400;\">type of loan<\/span><span style=\"font-weight: 400;\"> you choose, your credit profile, and the price of the home. Some loans require as little as 3% down, while others may require more. In some cases, you may even qualify for programs that offer <\/span><span style=\"font-weight: 400;\">down payment assistance<\/span><span style=\"font-weight: 400;\">.<\/span><\/p><p><span style=\"font-weight: 400;\">It\u2019s also worth thinking about whether putting more money down makes sense for you. A <\/span><span style=\"font-weight: 400;\">larger down payment<\/span><span style=\"font-weight: 400;\"> can lower your <\/span><span style=\"font-weight: 400;\">monthly payment<\/span><span style=\"font-weight: 400;\"> and potentially reduce certain costs, but it\u2019s important not to stretch yourself too thin. You\u2019ll want to leave room in your budget for <\/span><span style=\"font-weight: 400;\">closing costs<\/span><span style=\"font-weight: 400;\">, moving expenses, and the everyday realities and <\/span><span style=\"font-weight: 400;\">monthly costs<\/span><span style=\"font-weight: 400;\"> of <\/span><span style=\"font-weight: 400;\">homeownership<\/span><span style=\"font-weight: 400;\">.<\/span><\/p><p><span style=\"font-weight: 400;\">A great way to begin your journey is to explore your local <\/span><span style=\"font-weight: 400;\">real estate<\/span><span style=\"font-weight: 400;\"> market, get pre-approved for a mortgage, and take a close look at your finances. When you understand what you can comfortably afford, you\u2019ll have a much clearer picture of what your <\/span><span style=\"font-weight: 400;\">median down payment<\/span><span style=\"font-weight: 400;\"> should look like, and that means you can move forward with confidence.<\/span><\/p><p><span style=\"font-weight: 400;\">Taking the<\/span><a href=\"https:\/\/jakemainesrealtor.com\/blog\/steps-to-buying-a-house\/\"> <span style=\"font-weight: 400;\">first steps to buying a house<\/span><\/a><span style=\"font-weight: 400;\"> seriously will facilitate a smoother transaction and ensure you\u2019re well-prepared for the financial aspects of <\/span><span style=\"font-weight: 400;\">home ownership<\/span><span style=\"font-weight: 400;\">, including the <\/span><span style=\"font-weight: 400;\">down payment<\/span><span style=\"font-weight: 400;\">.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-d40f7ae elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"d40f7ae\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-4da68b2\" data-id=\"4da68b2\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-23c90db elementor-widget elementor-widget-heading\" data-id=\"23c90db\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 id='what-is-a-house-down-payment'  id=\"boomdevs_3\" class=\"elementor-heading-title elementor-size-default\">What Is a House Down Payment?\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-eab6e8a elementor-widget elementor-widget-image\" data-id=\"eab6e8a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/jakemainesrealtor.com\/new2026\/wp-content\/uploads\/elementor\/thumbs\/house-down-payment-scaled-qvr555u1od2u2abahy336wmbises7de94mtewi9vzk-1-rn5rps9x3y10gosnthsanbzfp5ira3732pr2yjk75c.webp\" title=\"house down payment\" alt=\"house down payment\" loading=\"lazy\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0cf31e8 elementor-widget elementor-widget-text-editor\" data-id=\"0cf31e8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<ul><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">A <\/span><span style=\"font-weight: 400;\">down payment<\/span><span style=\"font-weight: 400;\"> is the cash you\u2019ll put toward purchasing the home. This isn\u2019t a mortgage or loan, but money earned and built up over time to put towards the purchase. <\/span><span style=\"font-weight: 400;\">Down payments<\/span><span style=\"font-weight: 400;\"> are critical for various reasons, including:<\/span><ul><li style=\"font-weight: 400;\" aria-level=\"2\"><span style=\"font-weight: 400;\">Lenders<\/span><span style=\"font-weight: 400;\"> appreciate larger house <\/span><span style=\"font-weight: 400;\">down payments<\/span><span style=\"font-weight: 400;\">. It shows the home buyer is less likely to default on the loan because they have money in the property, resulting in <\/span><span style=\"font-weight: 400;\">home equity<\/span><span style=\"font-weight: 400;\">.<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"2\"><span style=\"font-weight: 400;\">House <\/span><span style=\"font-weight: 400;\">down payments<\/span><span style=\"font-weight: 400;\"> help to reduce the amount mortgaged. That contributes to a lower <\/span><span style=\"font-weight: 400;\">monthly payment<\/span><span style=\"font-weight: 400;\">. The <\/span><span style=\"font-weight: 400;\">down payment<\/span><span style=\"font-weight: 400;\"> on a house can be adjusted by using a <\/span><span style=\"font-weight: 400;\">mortgage calculator<\/span><span style=\"font-weight: 400;\">, so you can see what works best for you.<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"2\"><span style=\"font-weight: 400;\">In some situations, a <\/span><span style=\"font-weight: 400;\">down payment<\/span><span style=\"font-weight: 400;\"> could help you qualify for a lower <\/span><span style=\"font-weight: 400;\">interest rate<\/span><span style=\"font-weight: 400;\">. That means the home may cost less to purchase overall.<\/span><\/li><\/ul><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">A <\/span><span style=\"font-weight: 400;\">down payment<\/span><span style=\"font-weight: 400;\"> on a house is often required, though some <\/span><span style=\"font-weight: 400;\">lenders<\/span><span style=\"font-weight: 400;\"> may offer no-<\/span><span style=\"font-weight: 400;\">down-payment options<\/span><span style=\"font-weight: 400;\">. Still, it\u2019s often in your best interest to have one. The question is, then, how much is necessary?<\/span><\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1192b75 elementor-widget elementor-widget-text-editor\" data-id=\"1192b75\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h2 id='the-type-of-mortgage-loan-can-affect-how-much-down-payment-on-a-house-is-needed'  id=\"boomdevs_4\"><strong>The Type of Mortgage Loan Can Affect How Much Down Payment on a House Is Needed<\/strong><\/h2><p><a href=\"https:\/\/jakemainesrealtor.com\/wp-content\/uploads\/2026\/03\/type-of-mortgage-loan-and-down-payment-1.webp\"><img decoding=\"async\" class=\"alignnone wp-image-23233 size-full\" src=\"https:\/\/jakemainesrealtor.com\/wp-content\/uploads\/2026\/03\/type-of-mortgage-loan-and-down-payment-1.webp\" alt=\"type of mortgage loan and down payment on house\" \/><\/a><\/p><p><span style=\"font-weight: 400;\">One of the most important<\/span><a href=\"https:\/\/jakemainesrealtor.com\/blog\/first-time-home-buyers-va\/\"> <span style=\"font-weight: 400;\">first-time homebuyer<\/span><span style=\"font-weight: 400;\"> benefits<\/span><\/a><span style=\"font-weight: 400;\"> is <\/span><span style=\"font-weight: 400;\">down payment assistance<\/span><span style=\"font-weight: 400;\">. While not all <\/span><span style=\"font-weight: 400;\">first-time buyers<\/span><span style=\"font-weight: 400;\"> qualify for <\/span><span style=\"font-weight: 400;\">down payment assistance<\/span><span style=\"font-weight: 400;\">, many do. The <\/span><span style=\"font-weight: 400;\">down payment<\/span><span style=\"font-weight: 400;\"> required depends on the loan program used, and a <\/span><span style=\"font-weight: 400;\">down payment assistance program<\/span><span style=\"font-weight: 400;\"> could help you bulk up your <\/span><span style=\"font-weight: 400;\">down payment<\/span><span style=\"font-weight: 400;\"> or cover it entirely.<\/span><\/p><p><span style=\"font-weight: 400;\">Regardless, <\/span><span style=\"font-weight: 400;\">first-time homebuyers<\/span><span style=\"font-weight: 400;\"> often are unsure how much money they need to have available <\/span><span style=\"font-weight: 400;\">upfront<\/span><span style=\"font-weight: 400;\"> to put towards a home purchase. To determine this, consider the various <\/span><span style=\"font-weight: 400;\">types of loan<\/span><span style=\"font-weight: 400;\"> programs and the <\/span><span style=\"font-weight: 400;\">down payment<\/span><span style=\"font-weight: 400;\"> each typically requires, as well as what you can comfortably put down.<\/span><\/p><h3 id='conventional-home-loan-minimum-down-payment'  id=\"boomdevs_5\"><strong>Conventional Home Loan Minimum Down Payment<\/strong><\/h3><p><a href=\"https:\/\/jakemainesrealtor.com\/wp-content\/uploads\/2026\/03\/house-down-payment-scaled-2.webp\"><img decoding=\"async\" class=\"alignnone wp-image-23231 size-full\" src=\"https:\/\/jakemainesrealtor.com\/wp-content\/uploads\/2026\/03\/house-down-payment-scaled-2.webp\" alt=\"house down payment\" \/><\/a><\/p><p><span style=\"font-weight: 400;\">A big part of the \u201c<\/span><a href=\"https:\/\/jakemainesrealtor.com\/blog\/how-much-home-can-i-afford\/\"><span style=\"font-weight: 400;\">How much house can I afford<\/span><\/a><span style=\"font-weight: 400;\">?\u201d question is tied to the <\/span><span style=\"font-weight: 400;\">monthly payment<\/span><span style=\"font-weight: 400;\"> and <\/span><span style=\"font-weight: 400;\">loan amount<\/span><span style=\"font-weight: 400;\">, but the <\/span><span style=\"font-weight: 400;\">down payment<\/span><span style=\"font-weight: 400;\"> also plays a significant role. That <\/span><span style=\"font-weight: 400;\">down payment<\/span><span style=\"font-weight: 400;\"> can vary widely depending on the <\/span><span style=\"font-weight: 400;\">type of loan<\/span><span style=\"font-weight: 400;\"> you choose.<\/span><\/p><p><span style=\"font-weight: 400;\">A <\/span><span style=\"font-weight: 400;\">conventional loan<\/span><span style=\"font-weight: 400;\"> is one of the most popular mortgage options. In fact, the majority of <\/span><span style=\"font-weight: 400;\">home loans<\/span><span style=\"font-weight: 400;\"> in the U.S. fall into this category. If you have solid credit and a stable financial profile, this <\/span><span style=\"font-weight: 400;\">type of loan<\/span><span style=\"font-weight: 400;\"> can offer you flexibility and competitive terms.<\/span><\/p><p><span style=\"font-weight: 400;\">For a primary residence, <\/span><span style=\"font-weight: 400;\">conventional loans<\/span><span style=\"font-weight: 400;\"> often require as little as 3% to 5% down, depending on the program and your qualifications. If you\u2019re buying a second home, you\u2019ll typically need at least a 10% <\/span><span style=\"font-weight: 400;\">down payment<\/span><span style=\"font-weight: 400;\">. For investment properties, <\/span><span style=\"font-weight: 400;\">lenders<\/span><span style=\"font-weight: 400;\"> usually require a <\/span><span style=\"font-weight: 400;\">larger down payment<\/span><span style=\"font-weight: 400;\">, sometimes 15% to 25% or more, since these purchases carry additional risk.<\/span><\/p><p><span style=\"font-weight: 400;\">There are also special circumstances to keep in mind. For example, if you\u2019re buying a home for a disabled parent or child, even if you won\u2019t personally live there, it\u2019s often still classified as a primary residence. That means you may still qualify for the lower 3% to 5% <\/span><span style=\"font-weight: 400;\">down payment<\/span><span style=\"font-weight: 400;\"> range. It\u2019s always a good idea to talk through unique scenarios with a knowledgeable <\/span><span style=\"font-weight: 400;\">lender<\/span><span style=\"font-weight: 400;\">, so you understand how they apply to you.<\/span><\/p><p><span style=\"font-weight: 400;\">In general, putting more money down can sometimes help you secure a <\/span><span style=\"font-weight: 400;\">better interest rate<\/span><span style=\"font-weight: 400;\"> and lower your <\/span><span style=\"font-weight: 400;\">monthly payment<\/span><span style=\"font-weight: 400;\">, but it\u2019s important to balance that with keeping enough savings on hand for emergencies and other <\/span><span style=\"font-weight: 400;\">home ownership<\/span><span style=\"font-weight: 400;\"> expenses.<\/span><\/p><p><span style=\"font-weight: 400;\">Conventional loans<\/span><span style=\"font-weight: 400;\"> also follow conforming loan limits set each year by the Federal Housing Finance Agency (FHFA). For 2026, the<\/span><a href=\"https:\/\/www.fhfa.gov\/news\/news-release\/fhfa-announces-conforming-loan-limit-values-for-2026\"> <span style=\"font-weight: 400;\">baseline conforming loan limit<\/span><\/a><span style=\"font-weight: 400;\"> for most areas is $832,750, though higher-cost areas have higher limits. If your <\/span><span style=\"font-weight: 400;\">loan amount<\/span><span style=\"font-weight: 400;\"> exceeds the local limit, it becomes a <\/span><span style=\"font-weight: 400;\">jumbo loan<\/span><span style=\"font-weight: 400;\">, which often comes with stricter qualification requirements and a <\/span><span style=\"font-weight: 400;\">higher down payment<\/span><span style=\"font-weight: 400;\">.<\/span><\/p><p><span style=\"font-weight: 400;\">Because loan limits and guidelines can change, checking current limits through trusted sources like Fannie Mae, Freddie Mac, or the FHFA, or speaking directly with a <\/span><span style=\"font-weight: 400;\">lender<\/span><span style=\"font-weight: 400;\">, can help you make the most informed decision.<\/span><\/p><h3 id='fha-loans-minimum-down-payment-requirements'  id=\"boomdevs_6\"><strong>FHA Loans Minimum Down Payment Requirements<\/strong><\/h3><p><a href=\"https:\/\/jakemainesrealtor.com\/wp-content\/uploads\/2026\/03\/FHA-Loans-Minimum-Down-Payment-Requirements-scaled-e1723474741637.webp\"><img fetchpriority=\"high\" decoding=\"async\" class=\"alignnone wp-image-22785 size-full\" src=\"https:\/\/jakemainesrealtor.com\/wp-content\/uploads\/2026\/03\/FHA-Loans-Minimum-Down-Payment-Requirements-scaled-e1723474741637.webp\" alt=\"FHA Loans Minimum Down Payment Requirements\" width=\"2000\" height=\"1325\" \/><\/a><\/p><p><span style=\"font-weight: 400;\">An <\/span><span style=\"font-weight: 400;\">FHA loan<\/span><span style=\"font-weight: 400;\"> is a common option for <\/span><span style=\"font-weight: 400;\">first-time home buyers<\/span><span style=\"font-weight: 400;\">. The<\/span><a href=\"https:\/\/www.hud.gov\/program_offices\/housing\/fhahistory\"> <span style=\"font-weight: 400;\">Federal Housing Administration<\/span><\/a><span style=\"font-weight: 400;\"> (FHA) provides government-insured loan guarantees to <\/span><span style=\"font-weight: 400;\">mortgage lenders<\/span><span style=\"font-weight: 400;\">, enabling <\/span><span style=\"font-weight: 400;\">borrowers<\/span><span style=\"font-weight: 400;\"> without extensive home-buying experience to access a home. FHA, a program administered by the Department of Housing and Urban Development (HUD), is a very common way to borrow funds. The program was first put in place to provide <\/span><span style=\"font-weight: 400;\">borrowers<\/span><span style=\"font-weight: 400;\"> with lower <\/span><span style=\"font-weight: 400;\">credit scores<\/span><span style=\"font-weight: 400;\"> and higher debt-to-income ratios with affordable mortgage rates and loans.<\/span><\/p><p><span style=\"font-weight: 400;\">It\u2019s not just for <\/span><span style=\"font-weight: 400;\">first-time homebuyers<\/span><span style=\"font-weight: 400;\">, and <\/span><span style=\"font-weight: 400;\">repeat buyers<\/span><span style=\"font-weight: 400;\"> can use these loans, as well. FHA <\/span><span style=\"font-weight: 400;\">down payments<\/span><span style=\"font-weight: 400;\"> tend to be a bit more flexible than those for <\/span><span style=\"font-weight: 400;\">conventional mortgage loans<\/span><span style=\"font-weight: 400;\">. Typically, these loans require a 3.5% <\/span><span style=\"font-weight: 400;\">down payment<\/span><span style=\"font-weight: 400;\">, and they can\u2019t be used to buy investment properties.<\/span><\/p><p><span style=\"font-weight: 400;\">Determining the required <\/span><span style=\"font-weight: 400;\">down payment<\/span><span style=\"font-weight: 400;\"> for an <\/span><span style=\"font-weight: 400;\">FHA loan<\/span><span style=\"font-weight: 400;\"> can be a bit tricky. First, there are some situations where the home buyer will need a <\/span><span style=\"font-weight: 400;\">down payment<\/span><span style=\"font-weight: 400;\"> of 10% or more. This occurs when the homebuyer has a very low <\/span><span style=\"font-weight: 400;\">credit score<\/span><span style=\"font-weight: 400;\">, typically below 580.<\/span><\/p><p><span style=\"font-weight: 400;\">However, <\/span><span style=\"font-weight: 400;\">FHA loan<\/span> <span style=\"font-weight: 400;\">minimum down payment requirements<\/span><span style=\"font-weight: 400;\"> can be as low as 3.5% of the <\/span><span style=\"font-weight: 400;\">purchase price<\/span><span style=\"font-weight: 400;\">. This <\/span><span style=\"font-weight: 400;\">type of loan<\/span><span style=\"font-weight: 400;\"> can be used for properties with 1 to 4 units, as long as the <\/span><span style=\"font-weight: 400;\">borrower<\/span><span style=\"font-weight: 400;\"> lives in one of them. FHA mortgages offer other benefits, too, including low <\/span><span style=\"font-weight: 400;\">closing costs<\/span><span style=\"font-weight: 400;\"> and easier credit qualifications.<\/span><\/p><p><span style=\"font-weight: 400;\">Like <\/span><span style=\"font-weight: 400;\">conventional loans<\/span><span style=\"font-weight: 400;\">, <\/span><span style=\"font-weight: 400;\">FHA loans<\/span><span style=\"font-weight: 400;\"> have a limit as well. In 2026, in<\/span><a href=\"https:\/\/entp.hud.gov\/idapp\/html\/hicost1.cfm\"> <span style=\"font-weight: 400;\">Virginia Beach<\/span><\/a><span style=\"font-weight: 400;\"> and the Hampton Roads area, this limit is $757,850.<\/span><\/p><h3 id='how-much-down-payment-on-a-house-with-va-loans'  id=\"boomdevs_7\"><strong>How Much Down Payment On A House With VA Loans?<\/strong><\/h3><p><span style=\"font-weight: 400;\">The <\/span><span style=\"font-weight: 400;\">Department of Veterans Affairs<\/span><span style=\"font-weight: 400;\"> (VA) provides some people with help in purchasing <\/span><span style=\"font-weight: 400;\">real estate<\/span><span style=\"font-weight: 400;\"> and achieving <\/span><span style=\"font-weight: 400;\">home ownership<\/span><span style=\"font-weight: 400;\"> through<\/span><a href=\"https:\/\/www.benefits.va.gov\/homeloans\/\"><span style=\"font-weight: 400;\"> VA <\/span><span style=\"font-weight: 400;\">home loans<\/span><\/a><span style=\"font-weight: 400;\">. It applies to active-duty military professionals and veterans seeking a VA-backed loan. There are several excellent benefits to the home-buying process for veterans, including no <\/span><span style=\"font-weight: 400;\">down payment<\/span><span style=\"font-weight: 400;\"> required.<\/span><\/p><p><span style=\"font-weight: 400;\">This type of <\/span><span style=\"font-weight: 400;\">home loan<\/span><span style=\"font-weight: 400;\"> can only be used to purchase a primary residence, and won\u2019t work for investment properties or second homes.<\/span><\/p><p><span style=\"font-weight: 400;\">There are also a few important things to know about these loans, even if you don\u2019t need a <\/span><span style=\"font-weight: 400;\">large down payment<\/span><span style=\"font-weight: 400;\"> and need less money <\/span><span style=\"font-weight: 400;\">upfront<\/span><span style=\"font-weight: 400;\">. First, there\u2019s a funding fee that is required as part of the home-buying process. This fee is based on the house <\/span><span style=\"font-weight: 400;\">down payment amount<\/span><span style=\"font-weight: 400;\"> and <\/span><span style=\"font-weight: 400;\">home value<\/span><span style=\"font-weight: 400;\">, and it varies depending on whether you\u2019ve used a VA-specific loan previously.<\/span><\/p><p><span style=\"font-weight: 400;\">When it comes to <\/span><span style=\"font-weight: 400;\">down payment<\/span><span style=\"font-weight: 400;\"> loan requirements, here are a few things to remember:<\/span><\/p><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">First use of the <\/span><span style=\"font-weight: 400;\">VA loan<\/span><span style=\"font-weight: 400;\">: In this situation, the fee is 2.15% of the <\/span><span style=\"font-weight: 400;\">purchase price<\/span><span style=\"font-weight: 400;\">.<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">For <\/span><span style=\"font-weight: 400;\">first-time buyers<\/span><span style=\"font-weight: 400;\"> using a <\/span><span style=\"font-weight: 400;\">VA loan<\/span><span style=\"font-weight: 400;\">, the funding fee drops to 1.5% when a 5% <\/span><span style=\"font-weight: 400;\">down payment<\/span><span style=\"font-weight: 400;\"> is made, and to 1.25% when a 10% <\/span><span style=\"font-weight: 400;\">down payment<\/span><span style=\"font-weight: 400;\"> is made.<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">If this is the second time using a <\/span><span style=\"font-weight: 400;\">VA loan<\/span><span style=\"font-weight: 400;\">, there\u2019s no <\/span><span style=\"font-weight: 400;\">down payment requirement<\/span><span style=\"font-weight: 400;\">. The fee here is still 3.3%. If you put down more than 5% down, the VA funding fee drops to 1.5%; if you put down more than 10%, it drops to 1.25%.<\/span><\/li><\/ul><p><span style=\"font-weight: 400;\">This fee isn\u2019t required <\/span><span style=\"font-weight: 400;\">up front<\/span><span style=\"font-weight: 400;\">, and it can be added to the loan. That means the fee is paid off over the <\/span><span style=\"font-weight: 400;\">life of the loan<\/span><span style=\"font-weight: 400;\">, instead of with the <\/span><span style=\"font-weight: 400;\">down payment<\/span><span style=\"font-weight: 400;\"> on a house at closing.<\/span><\/p><h3 id='how-much-down-payment-on-a-house-with-usda-loans'  id=\"boomdevs_8\"><strong>How Much Down Payment On A House With USDA Loans?<\/strong><\/h3><p><a href=\"https:\/\/jakemainesrealtor.com\/wp-content\/uploads\/2026\/03\/USDA-Loans.webp\"><img decoding=\"async\" class=\"alignnone wp-image-22786 size-full\" src=\"https:\/\/jakemainesrealtor.com\/wp-content\/uploads\/2026\/03\/USDA-Loans.webp\" alt=\"USDA Loans\" \/><\/a><\/p><p><span style=\"font-weight: 400;\">The U.S. Department of Agriculture (USDA) is another avenue for obtaining financial support and a lower <\/span><span style=\"font-weight: 400;\">average down payment<\/span><span style=\"font-weight: 400;\"> for a home purchase.<\/span><a href=\"https:\/\/www.rd.usda.gov\/programs-services\/single-family-housing-programs\/single-family-housing-guaranteed-loan-program\"> <span style=\"font-weight: 400;\">USDA loans<\/span><\/a><span style=\"font-weight: 400;\"> were designed to spur economic activity in rural areas, and<\/span><a href=\"https:\/\/eligibility.sc.egov.usda.gov\/eligibility\/welcomeAction.do\"> <span style=\"font-weight: 400;\">eligibility depends<\/span><\/a><span style=\"font-weight: 400;\"> on where you decide to buy a home. This often leads to no <\/span><span style=\"font-weight: 400;\">down payment requirement<\/span><span style=\"font-weight: 400;\"> and lower monthly mortgage insurance payments than with <\/span><span style=\"font-weight: 400;\">FHA loans<\/span><span style=\"font-weight: 400;\"> and others. <\/span><span style=\"font-weight: 400;\">USDA loans<\/span><span style=\"font-weight: 400;\"> also offer flexible loan terms and loan options that keep <\/span><span style=\"font-weight: 400;\">interest rates<\/span><span style=\"font-weight: 400;\">, <\/span><span style=\"font-weight: 400;\">monthly payments<\/span><span style=\"font-weight: 400;\">, and home buying power aligned with your goals.<\/span><\/p><p><span style=\"font-weight: 400;\">If you\u2019re considering a <\/span><span style=\"font-weight: 400;\">USDA loan<\/span><span style=\"font-weight: 400;\">, one of the most important things to understand is what actually qualifies as \u201crural.\u201d The term can be a little misleading, since USDA-eligible areas aren\u2019t necessarily farmland or remote countryside. They\u2019re simply locations the USDA has identified as areas they\u2019d like to support for growth and development. While you won\u2019t find USDA-eligible properties in the middle of a major city like New York, you may be surprised to learn that certain areas around Virginia Beach and throughout Hampton Roads <\/span><i><span style=\"font-weight: 400;\">do <\/span><\/i><span style=\"font-weight: 400;\">qualify.<\/span><\/p><p><span style=\"font-weight: 400;\">In the Hampton Roads region, USDA-eligible areas include Isle of Wight, Surry, Southampton, Gloucester, Williamsburg, James City, and New Kent Counties. Because eligibility can change, it\u2019s always a good idea to confirm specific addresses using the USDA\u2019s property eligibility map or by speaking with a <\/span><span style=\"font-weight: 400;\">lender<\/span><span style=\"font-weight: 400;\"> familiar with the program.<\/span><\/p><p><span style=\"font-weight: 400;\">USDA loans<\/span><span style=\"font-weight: 400;\"> work a little differently from other mortgage options, and that\u2019s where they can really help buyers who need to make only a small <\/span><span style=\"font-weight: 400;\">down payment<\/span><span style=\"font-weight: 400;\"> on a house. With many traditional loans, putting less than 20% down means you\u2019ll likely pay <\/span><span style=\"font-weight: 400;\">private mortgage insurance<\/span><span style=\"font-weight: 400;\"> (<\/span><span style=\"font-weight: 400;\">PMI<\/span><span style=\"font-weight: 400;\">), which increases your <\/span><span style=\"font-weight: 400;\">monthly payment<\/span><span style=\"font-weight: 400;\">. FHA and <\/span><span style=\"font-weight: 400;\">conventional loans<\/span><span style=\"font-weight: 400;\"> often include this added cost when the <\/span><span style=\"font-weight: 400;\">down payment<\/span><span style=\"font-weight: 400;\"> is low.<\/span><\/p><p><span style=\"font-weight: 400;\">One of the biggest benefits of a <\/span><span style=\"font-weight: 400;\">USDA loan<\/span><span style=\"font-weight: 400;\"> is that it doesn\u2019t require traditional <\/span><span style=\"font-weight: 400;\">PMI<\/span><span style=\"font-weight: 400;\">, and it also offers 100% financing for eligible buyers, meaning no <\/span><span style=\"font-weight: 400;\">down payment<\/span><span style=\"font-weight: 400;\"> is required. Instead, <\/span><span style=\"font-weight: 400;\">USDA loans<\/span><span style=\"font-weight: 400;\"> include a 1% <\/span><span style=\"font-weight: 400;\">upfront<\/span><span style=\"font-weight: 400;\"> guarantee fee (which can often be rolled into the loan) and a 0.35% annual fee, calculated based on the remaining loan balance and included in your <\/span><span style=\"font-weight: 400;\">monthly payment<\/span><span style=\"font-weight: 400;\">.<\/span><\/p><p><span style=\"font-weight: 400;\">For many buyers, that combination of no <\/span><span style=\"font-weight: 400;\">down payment<\/span><span style=\"font-weight: 400;\"> and lower ongoing fees makes <\/span><span style=\"font-weight: 400;\">USDA loans<\/span><span style=\"font-weight: 400;\"> an incredibly affordable path to <\/span><span style=\"font-weight: 400;\">homeownership<\/span><span style=\"font-weight: 400;\"> in eligible areas.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6735833 elementor-widget elementor-widget-heading\" data-id=\"6735833\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 id='down-payment-assistance-minimum-house-down-payment-requirements-explained'  id=\"boomdevs_9\" class=\"elementor-heading-title elementor-size-default\">Down Payment Assistance: Minimum House Down Payment Requirements Explained<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-eb97497 elementor-widget elementor-widget-image\" data-id=\"eb97497\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"1024\" height=\"638\" src=\"https:\/\/jakemainesrealtor.com\/new2026\/wp-content\/uploads\/2026\/03\/Downpayment-Assistance-Minimum-House-Down-Payment-Requirements-Explained-2048x1276-1-1024x638.webp\" class=\"attachment-large size-large wp-image-30773\" alt=\"Downpayment Assistance: Minimum House Down Payment Requirements Explained\" srcset=\"https:\/\/jakemainesrealtor.com\/new2026\/wp-content\/uploads\/2026\/03\/Downpayment-Assistance-Minimum-House-Down-Payment-Requirements-Explained-2048x1276-1-1024x638.webp 1024w, https:\/\/jakemainesrealtor.com\/new2026\/wp-content\/uploads\/2026\/03\/Downpayment-Assistance-Minimum-House-Down-Payment-Requirements-Explained-2048x1276-1-300x187.webp 300w, https:\/\/jakemainesrealtor.com\/new2026\/wp-content\/uploads\/2026\/03\/Downpayment-Assistance-Minimum-House-Down-Payment-Requirements-Explained-2048x1276-1-768x479.webp 768w, https:\/\/jakemainesrealtor.com\/new2026\/wp-content\/uploads\/2026\/03\/Downpayment-Assistance-Minimum-House-Down-Payment-Requirements-Explained-2048x1276-1-525x328.webp 525w, https:\/\/jakemainesrealtor.com\/new2026\/wp-content\/uploads\/2026\/03\/Downpayment-Assistance-Minimum-House-Down-Payment-Requirements-Explained-2048x1276-1.webp 1280w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-042b379 elementor-widget elementor-widget-text-editor\" data-id=\"042b379\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Saving for a <\/span><span style=\"font-weight: 400;\">down payment<\/span><span style=\"font-weight: 400;\"> can feel like one of the biggest hurdles on your path to <\/span><span style=\"font-weight: 400;\">homeownership<\/span><span style=\"font-weight: 400;\">, and if you\u2019re feeling that pressure, you\u2019re definitely not alone. Many buyers have solid credit, steady income, and enough room in their budget for a <\/span><span style=\"font-weight: 400;\">monthly mortgage payment<\/span><span style=\"font-weight: 400;\">, but coming up with a lump-sum <\/span><span style=\"font-weight: 400;\">down payment<\/span><span style=\"font-weight: 400;\"> is the hardest part.<\/span><\/p><p><span style=\"font-weight: 400;\">The good newsis that there are programs designed specifically to help. If your finances show that you\u2019re ready for a mortgage but short on <\/span><span style=\"font-weight: 400;\">upfront<\/span><span style=\"font-weight: 400;\"> cash, <\/span><span style=\"font-weight: 400;\">down payment assistance programs<\/span><span style=\"font-weight: 400;\"> may provide the support you need. Using these programs is among the most valuable<\/span><a href=\"https:\/\/jakemainesrealtor.com\/blog\/first-time-home-buying-tips\/\"> <span style=\"font-weight: 400;\">tips for <\/span><span style=\"font-weight: 400;\">first-time home buyers<\/span><\/a><span style=\"font-weight: 400;\"> because they can make the difference between waiting years to buy and moving forward sooner than you thought possible.<\/span><\/p><p><span style=\"font-weight: 400;\">Depending on the program and your qualifications, assistance can significantly reduce what you need to bring to closing. Some options lower the required <\/span><span style=\"font-weight: 400;\">down payment<\/span><span style=\"font-weight: 400;\"> to as low as 1%, and certain loan programs, such as USDA or <\/span><span style=\"font-weight: 400;\">VA loans<\/span><span style=\"font-weight: 400;\">, may not require a <\/span><span style=\"font-weight: 400;\">down payment<\/span><span style=\"font-weight: 400;\"> at all for eligible buyers. Many of these programs are offered through state and local housing agencies.<\/span><\/p><p><span style=\"font-weight: 400;\">In Virginia, one of the most well-known resources is Virginia Housing\u2019s<\/span><a href=\"https:\/\/www.virginiahousing.com\/en\/homebuyers\/down-payment-assistance-grant\"> <span style=\"font-weight: 400;\">Down Payment<\/span><\/a><span style=\"font-weight: 400;\"> and<\/span><a href=\"https:\/\/www.virginiahousing.com\/en\/homebuyers\/closing-cost-assistance-grant\"> <span style=\"font-weight: 400;\">Closing Cost<\/span><span style=\"font-weight: 400;\"> Assistance<\/span><\/a><span style=\"font-weight: 400;\"> programs. These programs pair your primary mortgage (Conventional, FHA, USDA, or VA) with either a grant or a second loan that helps cover your <\/span><span style=\"font-weight: 400;\">down payment<\/span><span style=\"font-weight: 400;\"> and <\/span><span style=\"font-weight: 400;\">closing costs<\/span><span style=\"font-weight: 400;\">. For many first-time and even <\/span><span style=\"font-weight: 400;\">repeat buyers<\/span><span style=\"font-weight: 400;\">, this can mean purchasing a home with little to no money out of pocket.<\/span><\/p><p><span style=\"font-weight: 400;\">Keep in mind that these programs typically have income limits to ensure assistance goes to buyers who truly need it. Because guidelines vary, one of the best steps you can take is to speak with a knowledgeable <\/span><span style=\"font-weight: 400;\">mortgage lender<\/span><span style=\"font-weight: 400;\"> who can walk you through your options and help you find the right fit.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b14cf1e elementor-widget elementor-widget-heading\" data-id=\"b14cf1e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 id='let-jake-demystify-minimum-house-down-payments-for-you'  id=\"boomdevs_10\" class=\"elementor-heading-title elementor-size-default\">Let Jake Demystify Minimum House Down Payments For You!<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d5496a5 elementor-widget elementor-widget-image\" data-id=\"d5496a5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"800\" height=\"800\" src=\"https:\/\/jakemainesrealtor.com\/new2026\/wp-content\/uploads\/2026\/03\/first-time-homebuyers-closing-on-a-house-2048x2048-1.webp\" class=\"attachment-large size-large wp-image-30774\" alt=\"first time homebuyers closing on a house\" srcset=\"https:\/\/jakemainesrealtor.com\/new2026\/wp-content\/uploads\/2026\/03\/first-time-homebuyers-closing-on-a-house-2048x2048-1.webp 800w, https:\/\/jakemainesrealtor.com\/new2026\/wp-content\/uploads\/2026\/03\/first-time-homebuyers-closing-on-a-house-2048x2048-1-300x300.webp 300w, https:\/\/jakemainesrealtor.com\/new2026\/wp-content\/uploads\/2026\/03\/first-time-homebuyers-closing-on-a-house-2048x2048-1-150x150.webp 150w, https:\/\/jakemainesrealtor.com\/new2026\/wp-content\/uploads\/2026\/03\/first-time-homebuyers-closing-on-a-house-2048x2048-1-768x768.webp 768w, https:\/\/jakemainesrealtor.com\/new2026\/wp-content\/uploads\/2026\/03\/first-time-homebuyers-closing-on-a-house-2048x2048-1-120x120.webp 120w, https:\/\/jakemainesrealtor.com\/new2026\/wp-content\/uploads\/2026\/03\/first-time-homebuyers-closing-on-a-house-2048x2048-1-45x45.webp 45w, https:\/\/jakemainesrealtor.com\/new2026\/wp-content\/uploads\/2026\/03\/first-time-homebuyers-closing-on-a-house-2048x2048-1-36x36.webp 36w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e8e9862 elementor-widget elementor-widget-text-editor\" data-id=\"e8e9862\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">I\u2019m Jake Maines, one of the top<\/span><a href=\"https:\/\/jakemainesrealtor.com\/\"> <span style=\"font-weight: 400;\">Realtors in Virginia Beach<\/span><\/a><span style=\"font-weight: 400;\">, and I can help you navigate this challenging situation by providing hands-on support to help you meet the <\/span><span style=\"font-weight: 400;\">minimum down payment requirements<\/span><span style=\"font-weight: 400;\">. If you\u2019re<\/span><a href=\"https:\/\/jakemainesrealtor.com\/buying-a-home-in-virginia-beach\/\"> <span style=\"font-weight: 400;\">buying a home in Virginia Beach<\/span><\/a><span style=\"font-weight: 400;\">, get in touch with me today for immediate help from a member of the <\/span><span style=\"font-weight: 400;\">National Association of Realtors<\/span><span style=\"font-weight: 400;\"> proudly serving the Virginia Beach area.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-b697952 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"b697952\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-d636ecb\" data-id=\"d636ecb\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-4ec2dd1 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"4ec2dd1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9ca1239 elementor-author-box--layout-image-left elementor-widget elementor-widget-author-box\" data-id=\"9ca1239\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"author-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-author-box\">\n\t\t\t\t\t\t\t<a href=\"https:\/\/jakemainesrealtor.com\/author\/jake\/\" class=\"elementor-author-box__avatar\">\n\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/jakemainesrealtor.com\/new2026\/wp-content\/uploads\/2024\/01\/Jake-Maines-Virginia-Beach-Realtor-300x300.jpg\" alt=\"Picture of Jake Maines, Virginia Beach Realtor\" loading=\"lazy\">\n\t\t\t\t<\/a>\n\t\t\t\n\t\t\t<div class=\"elementor-author-box__text\">\n\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/jakemainesrealtor.com\/author\/jake\/\">\n\t\t\t\t\t\t<h4 id='jake-maines-virginia-beach-realtor'  id=\"boomdevs_11\" class=\"elementor-author-box__name\">\n\t\t\t\t\t\t\tJake Maines, Virginia Beach Realtor\t\t\t\t\t\t<\/h4>\n\t\t\t\t\t<\/a>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-author-box__bio\">\n\t\t\t\t\t\t<p>Jake Maines is a Virginia Beach Realtor known  for his market knowledge and exceptional client service. His real estate journey, beginning in 2020, showcases a successful transition from marketing to realty and investing, marked by a passion for helping clients find their dream homes. Recognized as one of Inside Business 40 Under 40 and ranking in the top 8% of Hampton Roads Realtors in his first year, Jake's accolades affirm his expertise. A member of NAR and HRRA, he upholds the highest ethical standards. Community involvement and continuous professional development make him a trusted, authoritative Virginia Beach real estate expert.<\/p>\n\t\t\t\t\t<\/div>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<a class=\"elementor-author-box__button elementor-button elementor-size-xs\" href=\"https:\/\/jakemainesrealtor.com\/about\/\">\n\t\t\t\t\t\tLearn More\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-8cba0e2 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"8cba0e2\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-c69e311\" data-id=\"c69e311\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-01d1e35 elementor-invisible elementor-widget elementor-widget-heading\" data-id=\"01d1e35\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeIn&quot;,&quot;_animation_delay&quot;:&quot;100&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 id='faq-about-putting-a-down-payment-on-a-house'  id=\"boomdevs_12\" class=\"elementor-heading-title elementor-size-default\">FAQ About Putting a Down Payment on a House\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e8194d4 elementor-widget elementor-widget-accordion\" data-id=\"e8194d4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"accordion.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-accordion\">\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<h3 id='do-i-really-need-20-down-to-buy-a-house'  id=\"boomdevs_13\" id=\"elementor-tab-title-2431\" class=\"elementor-tab-title\" data-tab=\"1\" role=\"button\" aria-controls=\"elementor-tab-content-2431\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><i class=\"fas fa-plus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><i class=\"fas fa-minus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">Do I really need 20% down to buy a house?<\/a>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\t<div id=\"elementor-tab-content-2431\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"1\" role=\"region\" aria-labelledby=\"elementor-tab-title-2431\"><p><span style=\"font-weight: 400;\">The <\/span><span style=\"font-weight: 400;\">20% down payment<\/span><span style=\"font-weight: 400;\"> rule is a common myth. While putting 20% down can help you avoid <\/span><span style=\"font-weight: 400;\">private mortgage insurance<\/span><span style=\"font-weight: 400;\"> (<\/span><span style=\"font-weight: 400;\">PMI<\/span><span style=\"font-weight: 400;\">) and reduce your <\/span><span style=\"font-weight: 400;\">monthly payment<\/span><span style=\"font-weight: 400;\">, many loan programs allow much <\/span><span style=\"font-weight: 400;\">lower down payments<\/span><span style=\"font-weight: 400;\">, sometimes as little as 3% or even 0% for qualified buyers.<\/span><\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<h3 id='what-is-the-minimum-down-payment-on-a-house-for-a-first-time-home-buyer'  id=\"boomdevs_14\" id=\"elementor-tab-title-2432\" class=\"elementor-tab-title\" data-tab=\"2\" role=\"button\" aria-controls=\"elementor-tab-content-2432\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><i class=\"fas fa-plus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><i class=\"fas fa-minus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">What is the minimum down payment on a house for a first-time home buyer?<\/a>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\t<div id=\"elementor-tab-content-2432\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"2\" role=\"region\" aria-labelledby=\"elementor-tab-title-2432\"><p><span style=\"font-weight: 400;\">The minimum down payment on a house depends on the loan type. <\/span><span style=\"font-weight: 400;\">Conventional loans<\/span><span style=\"font-weight: 400;\"> may require as little as 3% down, <\/span><span style=\"font-weight: 400;\">FHA loans<\/span><span style=\"font-weight: 400;\"> typically require 3.5% (or 10% with lower <\/span><span style=\"font-weight: 400;\">credit scores<\/span><span style=\"font-weight: 400;\">), and VA and <\/span><span style=\"font-weight: 400;\">USDA loans<\/span><span style=\"font-weight: 400;\"> may offer 0% down for eligible <\/span><span style=\"font-weight: 400;\">borrowers<\/span><span style=\"font-weight: 400;\">.<\/span><\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<h3 id='is-it-better-to-put-more-money-down-on-a-house'  id=\"boomdevs_15\" id=\"elementor-tab-title-2433\" class=\"elementor-tab-title\" data-tab=\"3\" role=\"button\" aria-controls=\"elementor-tab-content-2433\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><i class=\"fas fa-plus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><i class=\"fas fa-minus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">Is it better to put more money down on a house?<\/a>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\t<div id=\"elementor-tab-content-2433\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"3\" role=\"region\" aria-labelledby=\"elementor-tab-title-2433\"><p><span style=\"font-weight: 400;\">It can be better to put more money down on a house because a <\/span><span style=\"font-weight: 400;\">larger down payment<\/span><span style=\"font-weight: 400;\"> reduces your <\/span><span style=\"font-weight: 400;\">loan amount<\/span><span style=\"font-weight: 400;\">, lowers your <\/span><span style=\"font-weight: 400;\">monthly mortgage payment<\/span><span style=\"font-weight: 400;\">, may qualify you for a <\/span><span style=\"font-weight: 400;\">better interest rate<\/span><span style=\"font-weight: 400;\">, and can eliminate <\/span><span style=\"font-weight: 400;\">PMI<\/span><span style=\"font-weight: 400;\">. However, putting less down may allow you to buy sooner and preserve cash for emergencies or investments.<\/span><\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<h3 id='what-happens-if-i-put-less-than-20-down-when-buying-a-house'  id=\"boomdevs_16\" id=\"elementor-tab-title-2434\" class=\"elementor-tab-title\" data-tab=\"4\" role=\"button\" aria-controls=\"elementor-tab-content-2434\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><i class=\"fas fa-plus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><i class=\"fas fa-minus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">What happens if I put less than 20% down when buying a house?<\/a>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\t<div id=\"elementor-tab-content-2434\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"4\" role=\"region\" aria-labelledby=\"elementor-tab-title-2434\"><p><span style=\"font-weight: 400;\">If you put less than 20% down on a <\/span><span style=\"font-weight: 400;\">conventional loan<\/span><span style=\"font-weight: 400;\">, you\u2019ll typically need to pay <\/span><span style=\"font-weight: 400;\">private mortgage insurance<\/span><span style=\"font-weight: 400;\"> (<\/span><span style=\"font-weight: 400;\">PMI<\/span><span style=\"font-weight: 400;\">). <\/span><span style=\"font-weight: 400;\">FHA loans<\/span><span style=\"font-weight: 400;\"> require mortgage insurance regardless of <\/span><span style=\"font-weight: 400;\">down payment<\/span><span style=\"font-weight: 400;\">. VA and <\/span><span style=\"font-weight: 400;\">USDA loans<\/span><span style=\"font-weight: 400;\"> don\u2019t require <\/span><span style=\"font-weight: 400;\">PMI<\/span><span style=\"font-weight: 400;\"> but may include funding or guarantee fees. <\/span><span style=\"font-weight: 400;\">PMI is typically only an additional $50-$100\/month and is included in your payments. It\u2019s well worth it to not have to wait and save up the 20% while also continuing to rent, as home prices continue to rise each year.<\/span><\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<h3 id='can-i-buy-a-house-with-no-money-down'  id=\"boomdevs_17\" id=\"elementor-tab-title-2435\" class=\"elementor-tab-title\" data-tab=\"5\" role=\"button\" aria-controls=\"elementor-tab-content-2435\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><i class=\"fas fa-plus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><i class=\"fas fa-minus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">Can I buy a house with no money down?<\/a>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\t<div id=\"elementor-tab-content-2435\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"5\" role=\"region\" aria-labelledby=\"elementor-tab-title-2435\"><p><span style=\"font-weight: 400;\">Yes, in some cases, you can buy a home with no money down. <\/span><span style=\"font-weight: 400;\">VA loans<\/span><span style=\"font-weight: 400;\"> and <\/span><span style=\"font-weight: 400;\">USDA loans<\/span><span style=\"font-weight: 400;\"> offer 0% <\/span><span style=\"font-weight: 400;\">down payment options<\/span><span style=\"font-weight: 400;\"> for qualified buyers. Additionally, some state and local <\/span><span style=\"font-weight: 400;\">down payment assistance programs<\/span><span style=\"font-weight: 400;\"> may help cover <\/span><span style=\"font-weight: 400;\">upfront<\/span><span style=\"font-weight: 400;\"> costs.<\/span><\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<h3 id='what-is-down-payment-assistance-for-buying-a-house'  id=\"boomdevs_18\" id=\"elementor-tab-title-2436\" class=\"elementor-tab-title\" data-tab=\"6\" role=\"button\" aria-controls=\"elementor-tab-content-2436\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><i class=\"fas fa-plus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><i class=\"fas fa-minus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">What is down payment assistance for buying a house?<\/a>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\t<div id=\"elementor-tab-content-2436\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"6\" role=\"region\" aria-labelledby=\"elementor-tab-title-2436\"><p><span style=\"font-weight: 400;\">Down payment assistance programs<\/span><span style=\"font-weight: 400;\"> are offered by state or local governments and housing agencies. They may provide grants (which don\u2019t require repayment) or second loans to help cover your <\/span><span style=\"font-weight: 400;\">down payment<\/span><span style=\"font-weight: 400;\"> and sometimes <\/span><span style=\"font-weight: 400;\">closing costs<\/span><span style=\"font-weight: 400;\">. Most programs have income limits and eligibility requirements.<\/span><\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<h3 id='how-does-my-credit-score-affect-my-house-down-payment'  id=\"boomdevs_19\" id=\"elementor-tab-title-2437\" class=\"elementor-tab-title\" data-tab=\"7\" role=\"button\" aria-controls=\"elementor-tab-content-2437\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><i class=\"fas fa-plus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><i class=\"fas fa-minus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">How does my credit score affect my house down payment?<\/a>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\t<div id=\"elementor-tab-content-2437\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"7\" role=\"region\" aria-labelledby=\"elementor-tab-title-2437\"><p><span style=\"font-weight: 400;\">Your <\/span><span style=\"font-weight: 400;\">credit score<\/span><span style=\"font-weight: 400;\"> can influence both your loan eligibility and required <\/span><span style=\"font-weight: 400;\">down payment<\/span><span style=\"font-weight: 400;\">. For example, <\/span><span style=\"font-weight: 400;\">FHA loans<\/span><span style=\"font-weight: 400;\"> may require a 10% <\/span><span style=\"font-weight: 400;\">down payment<\/span><span style=\"font-weight: 400;\"> if your score falls below 580, while <\/span><span style=\"font-weight: 400;\">borrowers<\/span><span style=\"font-weight: 400;\"> with stronger credit may qualify for lower minimums and <\/span><span style=\"font-weight: 400;\">better interest rates<\/span><span style=\"font-weight: 400;\">.<\/span><\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<h3 id='are-there-loan-limits-for-buying-a-house-i-should-know-about'  id=\"boomdevs_20\" id=\"elementor-tab-title-2438\" class=\"elementor-tab-title\" data-tab=\"8\" role=\"button\" aria-controls=\"elementor-tab-content-2438\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><i class=\"fas fa-plus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><i class=\"fas fa-minus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">Are there loan limits for buying a house I should know about?<\/a>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\t<div id=\"elementor-tab-content-2438\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"8\" role=\"region\" aria-labelledby=\"elementor-tab-title-2438\"><p><span style=\"font-weight: 400;\">Conventional and <\/span><span style=\"font-weight: 400;\">FHA loans<\/span><span style=\"font-weight: 400;\"> have loan limits that vary by location. If the <\/span><span style=\"font-weight: 400;\">purchase price<\/span><span style=\"font-weight: 400;\"> exceeds those limits, you may need a <\/span><span style=\"font-weight: 400;\">jumbo loan<\/span><span style=\"font-weight: 400;\">, which often requires a <\/span><span style=\"font-weight: 400;\">higher down payment<\/span><span style=\"font-weight: 400;\">.<\/span><\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<h3 id='should-i-use-all-my-savings-for-a-down-payment-on-a-house'  id=\"boomdevs_21\" id=\"elementor-tab-title-2439\" class=\"elementor-tab-title\" data-tab=\"9\" role=\"button\" aria-controls=\"elementor-tab-content-2439\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><i class=\"fas fa-plus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><i class=\"fas fa-minus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">Should I use all my savings for a down payment on a house?<\/a>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\t<div id=\"elementor-tab-content-2439\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"9\" role=\"region\" aria-labelledby=\"elementor-tab-title-2439\"><p><span style=\"font-weight: 400;\">You generally shouldn\u2019t use all your savings for a down payment, because it\u2019s important to maintain an emergency fund for unexpected expenses, repairs, or life changes. <\/span><span style=\"font-weight: 400;\">Lenders<\/span><span style=\"font-weight: 400;\"> also like to see that you have reserves after closing.<\/span><\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<h3 id='how-do-i-know-how-much-house-down-payment-is-right-for-me'  id=\"boomdevs_22\" id=\"elementor-tab-title-24310\" class=\"elementor-tab-title\" data-tab=\"10\" role=\"button\" aria-controls=\"elementor-tab-content-24310\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><i class=\"fas fa-plus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><i class=\"fas fa-minus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">How do I know how much house down payment is right for me?<\/a>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\t<div id=\"elementor-tab-content-24310\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"10\" role=\"region\" aria-labelledby=\"elementor-tab-title-24310\"><p><span style=\"font-weight: 400;\">The right amount of house down payment depends on your <\/span><span style=\"font-weight: 400;\">financial situation<\/span><span style=\"font-weight: 400;\">, loan options, long-term goals, and comfort level with <\/span><span style=\"font-weight: 400;\">monthly payments<\/span><span style=\"font-weight: 400;\">. Getting pre-approved and speaking with a knowledgeable <\/span><span style=\"font-weight: 400;\">lender<\/span><span style=\"font-weight: 400;\"> can help you determine the best strategy for your specific situation.<\/span><\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-1dbf769 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"1dbf769\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-6fd3e57\" data-id=\"6fd3e57\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-23fcdea elementor-widget elementor-widget-heading\" data-id=\"23fcdea\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h4 id='for-more-info-on-minimum-house-down-payments'  id=\"boomdevs_23\" class=\"elementor-heading-title elementor-size-xxl\">For More Info On Minimum House Down Payments<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2d8d18c elementor-align-center elementor-widget__width-initial fw-form elementor-hidden-desktop elementor-hidden-tablet elementor-widget elementor-widget-button\" data-id=\"2d8d18c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-md\" href=\"tel:(757)%20453-3730\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Call Jake<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e6a707d elementor-align-center elementor-widget__width-initial fw-form elementor-hidden-desktop elementor-hidden-tablet elementor-widget elementor-widget-button\" data-id=\"e6a707d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-md\" href=\"\/contact\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Email Jake<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-08e30dc elementor-hidden-mobile elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"08e30dc\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-be7df82\" data-id=\"be7df82\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-dc404ad elementor-align-center elementor-widget__width-initial fw-form first-cta elementor-widget elementor-widget-button\" data-id=\"dc404ad\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-md\" href=\"tel:(757)%20453-3730\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Call Jake<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-7a0b303\" data-id=\"7a0b303\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-4bf42fd elementor-align-center elementor-widget__width-initial fw-form elementor-widget elementor-widget-button\" data-id=\"4bf42fd\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-md\" href=\"\/contact\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Email Jake<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-ac9d5f9 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"ac9d5f9\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-cfe016d\" data-id=\"cfe016d\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-db176ec elementor-widget elementor-widget-heading\" data-id=\"db176ec\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h4 id='for-expert-advice-on-how-much-down-payment-on-a-house-is-needed-contact-jake-maines-today'  id=\"boomdevs_24\" class=\"elementor-heading-title elementor-size-default\">For Expert Advice On How Much Down Payment On A House Is Needed:<br>Contact Jake Maines Today!<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b654b34 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"b654b34\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f8c45b2 elementor-widget elementor-widget-html\" data-id=\"f8c45b2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<script type=\"text\/javascript\">\n\/* <![CDATA[ *\/\nvar gform;gform||(document.addEventListener(\"gform_main_scripts_loaded\",function(){gform.scriptsLoaded=!0}),document.addEventListener(\"gform\/theme\/scripts_loaded\",function(){gform.themeScriptsLoaded=!0}),window.addEventListener(\"DOMContentLoaded\",function(){gform.domLoaded=!0}),gform={domLoaded:!1,scriptsLoaded:!1,themeScriptsLoaded:!1,isFormEditor:()=>\"function\"==typeof InitializeEditor,callIfLoaded:function(o){return!(!gform.domLoaded||!gform.scriptsLoaded||!gform.themeScriptsLoaded&&!gform.isFormEditor()||(gform.isFormEditor()&&console.warn(\"The use of gform.initializeOnLoaded() is deprecated in the form editor context and will be removed in Gravity Forms 3.1.\"),o(),0))},initializeOnLoaded:function(o){gform.callIfLoaded(o)||(document.addEventListener(\"gform_main_scripts_loaded\",()=>{gform.scriptsLoaded=!0,gform.callIfLoaded(o)}),document.addEventListener(\"gform\/theme\/scripts_loaded\",()=>{gform.themeScriptsLoaded=!0,gform.callIfLoaded(o)}),window.addEventListener(\"DOMContentLoaded\",()=>{gform.domLoaded=!0,gform.callIfLoaded(o)}))},hooks:{action:{},filter:{}},addAction:function(o,r,e,t){gform.addHook(\"action\",o,r,e,t)},addFilter:function(o,r,e,t){gform.addHook(\"filter\",o,r,e,t)},doAction:function(o){gform.doHook(\"action\",o,arguments)},applyFilters:function(o){return gform.doHook(\"filter\",o,arguments)},removeAction:function(o,r){gform.removeHook(\"action\",o,r)},removeFilter:function(o,r,e){gform.removeHook(\"filter\",o,r,e)},addHook:function(o,r,e,t,n){null==gform.hooks[o][r]&&(gform.hooks[o][r]=[]);var d=gform.hooks[o][r];null==n&&(n=r+\"_\"+d.length),gform.hooks[o][r].push({tag:n,callable:e,priority:t=null==t?10:t})},doHook:function(r,o,e){var t;if(e=Array.prototype.slice.call(e,1),null!=gform.hooks[r][o]&&((o=gform.hooks[r][o]).sort(function(o,r){return o.priority-r.priority}),o.forEach(function(o){\"function\"!=typeof(t=o.callable)&&(t=window[t]),\"action\"==r?t.apply(null,e):e[0]=t.apply(null,e)})),\"filter\"==r)return e[0]},removeHook:function(o,r,t,n){var e;null!=gform.hooks[o][r]&&(e=(e=gform.hooks[o][r]).filter(function(o,r,e){return!!(null!=n&&n!=o.tag||null!=t&&t!=o.priority)}),gform.hooks[o][r]=e)}});\n\/* ]]> *\/\n<\/script>\n\n                <div class='gf_browser_gecko gform_wrapper gform-theme gform-theme--foundation gform-theme--framework gform-theme--orbital' data-form-theme='orbital' data-form-index='0' id='gform_wrapper_1' ><style>#gform_wrapper_1[data-form-index=\"0\"].gform-theme,[data-parent-form=\"1_0\"]{--gf-color-primary: #204ce5;--gf-color-primary-rgb: 32, 76, 229;--gf-color-primary-contrast: #fff;--gf-color-primary-contrast-rgb: 255, 255, 255;--gf-color-primary-darker: #001AB3;--gf-color-primary-lighter: #527EFF;--gf-color-secondary: #fff;--gf-color-secondary-rgb: 255, 255, 255;--gf-color-secondary-contrast: #112337;--gf-color-secondary-contrast-rgb: 17, 35, 55;--gf-color-secondary-darker: #F5F5F5;--gf-color-secondary-lighter: #FFFFFF;--gf-color-out-ctrl-light: rgba(17, 35, 55, 0.1);--gf-color-out-ctrl-light-rgb: 17, 35, 55;--gf-color-out-ctrl-light-darker: rgba(104, 110, 119, 0.35);--gf-color-out-ctrl-light-lighter: #F5F5F5;--gf-color-out-ctrl-dark: #585e6a;--gf-color-out-ctrl-dark-rgb: 88, 94, 106;--gf-color-out-ctrl-dark-darker: #112337;--gf-color-out-ctrl-dark-lighter: rgba(17, 35, 55, 0.65);--gf-color-in-ctrl: #fff;--gf-color-in-ctrl-rgb: 255, 255, 255;--gf-color-in-ctrl-contrast: #112337;--gf-color-in-ctrl-contrast-rgb: 17, 35, 55;--gf-color-in-ctrl-darker: #F5F5F5;--gf-color-in-ctrl-lighter: #FFFFFF;--gf-color-in-ctrl-primary: #204ce5;--gf-color-in-ctrl-primary-rgb: 32, 76, 229;--gf-color-in-ctrl-primary-contrast: #fff;--gf-color-in-ctrl-primary-contrast-rgb: 255, 255, 255;--gf-color-in-ctrl-primary-darker: #001AB3;--gf-color-in-ctrl-primary-lighter: #527EFF;--gf-color-in-ctrl-light: rgba(17, 35, 55, 0.1);--gf-color-in-ctrl-light-rgb: 17, 35, 55;--gf-color-in-ctrl-light-darker: rgba(104, 110, 119, 0.35);--gf-color-in-ctrl-light-lighter: #F5F5F5;--gf-color-in-ctrl-dark: #585e6a;--gf-color-in-ctrl-dark-rgb: 88, 94, 106;--gf-color-in-ctrl-dark-darker: #112337;--gf-color-in-ctrl-dark-lighter: rgba(17, 35, 55, 0.65);--gf-radius: 3px;--gf-font-size-secondary: 14px;--gf-font-size-tertiary: 13px;--gf-icon-ctrl-number: url(\"data:image\/svg+xml,%3Csvg width='8' height='14' viewBox='0 0 8 14' fill='none' xmlns='http:\/\/www.w3.org\/2000\/svg'%3E%3Cpath fill-rule='evenodd' clip-rule='evenodd' d='M4 0C4.26522 5.96046e-08 4.51957 0.105357 4.70711 0.292893L7.70711 3.29289C8.09763 3.68342 8.09763 4.31658 7.70711 4.70711C7.31658 5.09763 6.68342 5.09763 6.29289 4.70711L4 2.41421L1.70711 4.70711C1.31658 5.09763 0.683417 5.09763 0.292893 4.70711C-0.0976311 4.31658 -0.097631 3.68342 0.292893 3.29289L3.29289 0.292893C3.48043 0.105357 3.73478 0 4 0ZM0.292893 9.29289C0.683417 8.90237 1.31658 8.90237 1.70711 9.29289L4 11.5858L6.29289 9.29289C6.68342 8.90237 7.31658 8.90237 7.70711 9.29289C8.09763 9.68342 8.09763 10.3166 7.70711 10.7071L4.70711 13.7071C4.31658 14.0976 3.68342 14.0976 3.29289 13.7071L0.292893 10.7071C-0.0976311 10.3166 -0.0976311 9.68342 0.292893 9.29289Z' fill='rgba(17, 35, 55, 0.65)'\/%3E%3C\/svg%3E\");--gf-icon-ctrl-select: url(\"data:image\/svg+xml,%3Csvg width='10' height='6' viewBox='0 0 10 6' fill='none' xmlns='http:\/\/www.w3.org\/2000\/svg'%3E%3Cpath fill-rule='evenodd' clip-rule='evenodd' d='M0.292893 0.292893C0.683417 -0.097631 1.31658 -0.097631 1.70711 0.292893L5 3.58579L8.29289 0.292893C8.68342 -0.0976311 9.31658 -0.0976311 9.70711 0.292893C10.0976 0.683417 10.0976 1.31658 9.70711 1.70711L5.70711 5.70711C5.31658 6.09763 4.68342 6.09763 4.29289 5.70711L0.292893 1.70711C-0.0976311 1.31658 -0.0976311 0.683418 0.292893 0.292893Z' fill='rgba(17, 35, 55, 0.65)'\/%3E%3C\/svg%3E\");--gf-icon-ctrl-search: url(\"data:image\/svg+xml,%3Csvg width='640' height='640' xmlns='http:\/\/www.w3.org\/2000\/svg'%3E%3Cpath d='M256 128c-70.692 0-128 57.308-128 128 0 70.691 57.308 128 128 128 70.691 0 128-57.309 128-128 0-70.692-57.309-128-128-128zM64 256c0-106.039 85.961-192 192-192s192 85.961 192 192c0 41.466-13.146 79.863-35.498 111.248l154.125 154.125c12.496 12.496 12.496 32.758 0 45.254s-32.758 12.496-45.254 0L367.248 412.502C335.862 434.854 297.467 448 256 448c-106.039 0-192-85.962-192-192z' fill='rgba(17, 35, 55, 0.65)'\/%3E%3C\/svg%3E\");--gf-label-space-y-secondary: var(--gf-label-space-y-md-secondary);--gf-ctrl-border-color: #686e77;--gf-ctrl-size: var(--gf-ctrl-size-md);--gf-ctrl-label-color-primary: #112337;--gf-ctrl-label-color-secondary: #112337;--gf-ctrl-choice-size: var(--gf-ctrl-choice-size-md);--gf-ctrl-checkbox-check-size: var(--gf-ctrl-checkbox-check-size-md);--gf-ctrl-radio-check-size: var(--gf-ctrl-radio-check-size-md);--gf-ctrl-btn-font-size: var(--gf-ctrl-btn-font-size-md);--gf-ctrl-btn-padding-x: var(--gf-ctrl-btn-padding-x-md);--gf-ctrl-btn-size: var(--gf-ctrl-btn-size-md);--gf-ctrl-btn-border-color-secondary: #686e77;--gf-ctrl-file-btn-bg-color-hover: #EBEBEB;--gf-field-img-choice-size: var(--gf-field-img-choice-size-md);--gf-field-img-choice-card-space: var(--gf-field-img-choice-card-space-md);--gf-field-img-choice-check-ind-size: var(--gf-field-img-choice-check-ind-size-md);--gf-field-img-choice-check-ind-icon-size: var(--gf-field-img-choice-check-ind-icon-size-md);--gf-field-pg-steps-number-color: rgba(17, 35, 55, 0.8);}<\/style>\n                        <div class='gform_heading'>\n                            <p class='gform_description'><\/p>\n                        <\/div><form method='post' enctype='multipart\/form-data'  id='gform_1'  action='\/new2026\/wp-json\/wp\/v2\/posts\/22774' data-formid='1' novalidate>\n                        <div class='gform-body gform_body'><div id='gform_fields_1' class='gform_fields top_label form_sublabel_above description_above validation_below'><div id=\"field_1_17\" class=\"gfield gfield--type-honeypot gform_validation_container field_sublabel_above gfield--has-description field_description_above field_validation_below gfield_visibility_visible\"  ><label class='gfield_label gform-field-label' for='input_1_17'>URL<\/label><div class='gfield_description' id='gfield_description_1_17'>This field is for validation purposes and should be left unchanged.<\/div><div class='ginput_container'><input name='input_17' id='input_1_17' type='text' value='' autocomplete='new-password'\/><\/div><\/div><fieldset id=\"field_1_1\" class=\"gfield gfield--type-name gfield--input-type-name gfield_contains_required field_sublabel_hidden_label gfield--no-description field_description_above hidden_label field_validation_below gfield_visibility_visible\"  ><legend class='gfield_label gform-field-label gfield_label_before_complex' >Name<span class=\"gfield_required\"><span class=\"gfield_required gfield_required_text\">(Required)<\/span><\/span><\/legend><div class='ginput_complex ginput_container ginput_container--name no_prefix has_first_name no_middle_name no_last_name no_suffix gf_name_has_1 ginput_container_name gform-grid-row' id='input_1_1'>\n                            \n                            <span id='input_1_1_3_container' class='name_first gform-grid-col gform-grid-col--size-auto' >\n                                                    <input type='text' name='input_1.3' id='input_1_1_3' value=''   aria-required='true'   placeholder='Your Name' autocomplete=\"given-name\" \/>\n                                                    <label for='input_1_1_3' class='gform-field-label gform-field-label--type-sub hidden_sub_label screen-reader-text'>First<\/label>\n                                                <\/span>\n                            \n                            \n                            \n                        <\/div><\/fieldset><div id=\"field_1_2\" class=\"gfield gfield--type-email gfield--input-type-email gfield_contains_required field_sublabel_above gfield--no-description field_description_above hidden_label field_validation_below gfield_visibility_visible\"  ><label class='gfield_label gform-field-label' for='input_1_2'>Email<span class=\"gfield_required\"><span class=\"gfield_required gfield_required_text\">(Required)<\/span><\/span><\/label><div class='ginput_container ginput_container_email'>\n                            <input name='input_2' id='input_1_2' type='email' value='' class='large'   placeholder='Your Email' aria-required=\"true\" aria-invalid=\"false\"  \/>\n                        <\/div><\/div><div id=\"field_1_4\" class=\"gfield gfield--type-phone gfield--input-type-phone gfield--width-full gfield_contains_required field_sublabel_above gfield--no-description field_description_above hidden_label field_validation_below gfield_visibility_visible\"  ><label class='gfield_label gform-field-label' for='input_1_4'>Phone<span class=\"gfield_required\"><span class=\"gfield_required gfield_required_text\">(Required)<\/span><\/span><\/label><div class='ginput_container ginput_container_phone'><input name='input_4' id='input_1_4' type='tel' value='' class='large'  placeholder='Your Phone' aria-required=\"true\" aria-invalid=\"false\"   \/><\/div><\/div><div id=\"field_1_3\" class=\"gfield gfield--type-textarea gfield--input-type-textarea gfield_contains_required field_sublabel_above gfield--no-description field_description_above hidden_label field_validation_below gfield_visibility_visible\"  ><label class='gfield_label gform-field-label' for='input_1_3'>Message<span class=\"gfield_required\"><span class=\"gfield_required gfield_required_text\">(Required)<\/span><\/span><\/label><div class='ginput_container ginput_container_textarea'><textarea name='input_3' id='input_1_3' class='textarea medium'    placeholder='Your Message' aria-required=\"true\" aria-invalid=\"false\"   rows='10' cols='50'><\/textarea><\/div><\/div><div id=\"field_1_6\" class=\"gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_above gfield--no-description field_description_above field_validation_below gfield_visibility_visible\"  ><div class='ginput_container ginput_container_text'><input name='input_6' id='input_1_6' type='hidden' class='gform_hidden'  aria-invalid=\"false\" value='' \/><\/div><\/div><div id=\"field_1_8\" class=\"gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_above gfield--no-description field_description_above field_validation_below gfield_visibility_hidden\"  ><div class='ginput_container ginput_container_text'><input name='input_8' id='input_1_8' type='hidden' class='gform_hidden'  aria-invalid=\"false\" value='' \/><\/div><\/div><div id=\"field_1_9\" class=\"gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_above gfield--no-description field_description_above field_validation_below gfield_visibility_hidden\"  ><div class='ginput_container ginput_container_text'><input name='input_9' id='input_1_9' type='hidden' class='gform_hidden'  aria-invalid=\"false\" value='' \/><\/div><\/div><div id=\"field_1_10\" class=\"gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_above gfield--no-description field_description_above field_validation_below gfield_visibility_hidden\"  ><div class='ginput_container ginput_container_text'><input name='input_10' id='input_1_10' type='hidden' class='gform_hidden'  aria-invalid=\"false\" value='' \/><\/div><\/div><div id=\"field_1_11\" class=\"gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_above gfield--no-description field_description_above field_validation_below gfield_visibility_hidden\"  ><div class='ginput_container ginput_container_text'><input name='input_11' id='input_1_11' type='hidden' class='gform_hidden'  aria-invalid=\"false\" value='' \/><\/div><\/div><div id=\"field_1_12\" class=\"gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_above gfield--no-description field_description_above field_validation_below gfield_visibility_hidden\"  ><div class='ginput_container ginput_container_text'><input name='input_12' id='input_1_12' type='hidden' class='gform_hidden'  aria-invalid=\"false\" value='' \/><\/div><\/div><div id=\"field_1_13\" class=\"gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_above gfield--no-description field_description_above field_validation_below gfield_visibility_hidden\"  ><div class='ginput_container ginput_container_text'><input name='input_13' id='input_1_13' type='hidden' class='gform_hidden'  aria-invalid=\"false\" value='' \/><\/div><\/div><div id=\"field_1_14\" class=\"gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_above gfield--no-description field_description_above field_validation_below gfield_visibility_hidden\"  ><div class='ginput_container ginput_container_text'><input name='input_14' id='input_1_14' type='hidden' class='gform_hidden'  aria-invalid=\"false\" value='' \/><\/div><\/div><div id=\"field_1_15\" class=\"gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_above gfield--no-description field_description_above field_validation_below gfield_visibility_hidden\"  ><div class='ginput_container ginput_container_text'><input name='input_15' id='input_1_15' type='hidden' class='gform_hidden'  aria-invalid=\"false\" value='' \/><\/div><\/div><div id=\"field_1_16\" class=\"gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_above gfield--no-description field_description_above field_validation_below gfield_visibility_hidden\"  ><div class='ginput_container ginput_container_text'><input name='input_16' id='input_1_16' type='hidden' class='gform_hidden'  aria-invalid=\"false\" value='' \/><\/div><\/div><\/div><\/div>\n        <div class='gform-footer gform_footer top_label'> <div class=\"gf-turnstile-container\"> <div id=\"cf-turnstile-gf-1\" class=\"cf-turnstile\" data-sitekey=\"0x4AAAAAACp0JbSp8A0zkfOT\" data-theme=\"light\" data-language=\"auto\" data-size=\"normal\" data-retry=\"auto\" data-retry-interval=\"1000\" data-refresh-expired=\"auto\" data-refresh-timeout=\"auto\" data-action=\"gravity-form-1\" data-callback=\"turnstileGravityCallback\" data-appearance=\"always\"><\/div> <script>document.addEventListener(\"DOMContentLoaded\", function() { setTimeout(function(){ var e=document.getElementById(\"cf-turnstile-gf-1\"); if(e&&!e.innerHTML.trim()){turnstile.render(e, {sitekey:\"0x4AAAAAACp0JbSp8A0zkfOT\"});} }, 200); });<\/script> <br class=\"cf-turnstile-br cf-turnstile-br-gf-1\"> <style>#cf-turnstile-gf-1 { margin-left: -15px; }<\/style> <\/div> <style> .gf-turnstile-container { width: 100%; } .gform_footer.top_label { display: flex; flex-wrap: wrap; } <\/style> <script>document.addEventListener(\"DOMContentLoaded\", function() {document.addEventListener('gform\/post_render', function handlePostRender(event) {if (event.detail.formId !== 1) {return;}gform.utils.addAsyncFilter('gform\/submission\/pre_submission', async function handlePreSubmission(data) {document.addEventListener('gform\/post_render', function rerenderTurnstile(event) {if (event.detail.formId !== 1) {return;}const turnstileElement = document.getElementById('cf-turnstile-gf-1');if (turnstileElement) {turnstile.remove('#cf-turnstile-gf-1');turnstile.render('#cf-turnstile-gf-1');}document.removeEventListener('gform\/post_render', rerenderTurnstile);});gform.utils.removeFilter('gform\/submission\/pre_submission', handlePreSubmission);return data;});document.removeEventListener('gform\/post_render', handlePostRender);});});<\/script><input type='submit' id='gform_submit_button_1' class='gform_button button gform-button--width-full' onclick='gform.submission.handleButtonClick(this);' data-submission-type='submit' value='SEND MESSAGE'  \/> \n            <input type='hidden' class='gform_hidden' name='gform_submission_method' data-js='gform_submission_method_1' value='postback' \/>\n            <input type='hidden' class='gform_hidden' name='gform_theme' data-js='gform_theme_1' id='gform_theme_1' value='orbital' \/>\n            <input type='hidden' class='gform_hidden' name='gform_style_settings' data-js='gform_style_settings_1' id='gform_style_settings_1' value='[]' \/>\n            <input type='hidden' class='gform_hidden' name='is_submit_1' value='1' \/>\n            <input type='hidden' class='gform_hidden' name='gform_submit' value='1' \/>\n            \n            <input type='hidden' class='gform_hidden' 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'https:\/\/jakemainesrealtor.com\/new2026\/wp-content\/plugins\/gravityforms\/images\/spinner.svg', false );jQuery('#gform_ajax_frame_1').on('load',function(){var contents = jQuery(this).contents().find('*').html();var is_postback = contents.indexOf('GF_AJAX_POSTBACK') >= 0;if(!is_postback){return;}var form_content = jQuery(this).contents().find('#gform_wrapper_1');var is_confirmation = jQuery(this).contents().find('#gform_confirmation_wrapper_1').length > 0;var is_redirect = contents.indexOf('gformRedirect(){') >= 0;var is_form = form_content.length > 0 && ! is_redirect && ! is_confirmation;var mt = parseInt(jQuery('html').css('margin-top'), 10) + parseInt(jQuery('body').css('margin-top'), 10) + 100;if(is_form){jQuery('#gform_wrapper_1').html(form_content.html());if(form_content.hasClass('gform_validation_error')){jQuery('#gform_wrapper_1').addClass('gform_validation_error');} else {jQuery('#gform_wrapper_1').removeClass('gform_validation_error');}setTimeout( function() { \/* delay the scroll by 50 milliseconds to fix a bug in chrome *\/  }, 50 );if(window['gformInitDatepicker']) {gformInitDatepicker();}if(window['gformInitPriceFields']) {gformInitPriceFields();}var current_page = jQuery('#gform_source_page_number_1').val();gformInitSpinner( 1, 'https:\/\/jakemainesrealtor.com\/new2026\/wp-content\/plugins\/gravityforms\/images\/spinner.svg', false );jQuery(document).trigger('gform_page_loaded', [1, current_page]);window['gf_submitting_1'] = false;}else if(!is_redirect){var confirmation_content = jQuery(this).contents().find('.GF_AJAX_POSTBACK').html();if(!confirmation_content){confirmation_content = contents;}jQuery('#gform_wrapper_1').replaceWith(confirmation_content);jQuery(document).trigger('gform_confirmation_loaded', [1]);window['gf_submitting_1'] = false;wp.a11y.speak(jQuery('#gform_confirmation_message_1').text());}else{jQuery('#gform_1').append(contents);if(window['gformRedirect']) {gformRedirect();}}jQuery(document).trigger(\"gform_pre_post_render\", [{ 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Look no further. As a trusted Virginia Beach real estate agent, I offer services for experienced investors and those buying their first home. My specialty is supporting the entire process of purchasing and selling Virginia Beach Homes For Sale while providing helpful advice.<\/p><p>I\u2019m here to help first-time home buyers every step of the way through the process. This guide has discussed in detail everything you need to know about the down payment necessary to purchase your dream home. If you have any unanswered questions, don&#8217;t hesitate to contact me. 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