Do you still think you need 20% down to buy a home? That belief keeps many renters stuck for years while prices and rents keep climbing. That's why today, I’ll show you how 3% down loan programs work, why PMI isn’t a deal breaker, and how buying sooner protects you from rising housing costs. You’ll see how low-down-payment options can help you build equity faster and move into homeownership without waiting for years to save. Get the full breakdown on how you can get lower down payments in my latest video.