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You Don’t Need 20% Down to Own a Home

You Don’t Need 20% Down to Own a Home

Mortgage Broker
Ken Graczak
Published on December 8, 2025

You Don’t Need 20% Down to Own a Home

A lot of future buyers pause their plans because they still believe the old 20% down myth. The truth is that most people become homeowners with far less, usually around 3% to 5%, and the payment shift isn't as dramatic as many fear. Mortgage insurance was created to make that lower down payment possible, keeping monthly costs manageable so you can start building equity sooner instead of waiting years. Once you understand how the numbers actually work, the entire idea of buying a home becomes far less intimidating.

If you're curious what your real costs would look like, DM me today and I'll walk you through it and share a copy of my book, The Blueprint to Homeownership. It's a simple way to see what's truly possible and take your next step with confidence.

The Blueprint to Homeownership: https://a.co/d/fcFYX6i

#HomeBuyingTips #RealEstate #Mortgage #Minnesota #BloomingtonMN

Mortgage Broker
Ken Graczak Mortgage Broker
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