Do You REALLY Need 20% Down to Buy a Home?

One of the most common misconceptions about purchasing a home is that you need a 20% down payment. While this may have been true decades ago, today’s real estate market offers numerous options that make homeownership more accessible than ever. Whether you’re a first-time buyer or looking to upgrade, you might be surprised at the flexible financing options available to you.

If you’ve been holding off on buying a home because of the 20% myth, now is the time to rethink your strategy. With loan programs offering as little as 3% down—or even zero down for eligible buyers—the dream of homeownership is closer than you think.

Why Buy in Eaton, Ohio?

Eaton, Ohio, is a hidden gem in the Miami Valley, offering a rural charm that feels like a retreat while still providing easy access to nearby cities. With its friendly community, beautiful countryside, and affordable housing options, Eaton is the perfect place to call home. Whether you’re looking for a cozy starter home or a spacious property with room to grow, Eaton has something for everyone.

Financing Options Beyond 20%

Here are a few financing programs that could make buying a home in Eaton more attainable:

  1. FHA Loans: Require as little as 3.5% down, making them a popular choice for first-time homebuyers.
  2. USDA Loans: Offer zero-down financing for homes in eligible rural areas, including many properties in Eaton.
  3. VA Loans: Available to veterans and active-duty military, offering zero-down payment and competitive interest rates.
  4. Conventional Loans: Some lenders offer conventional loan programs with as little as 3% down for qualified buyers.

By exploring these options, you can find a path to homeownership that fits your financial situation.

Work with Katie Masters to Find Your Eaton Home

When it comes to finding your dream home in Eaton, Ohio, Katie Masters is your go-to real estate expert. As a partner of Team MVE, Katie brings a wealth of experience and local knowledge to help you navigate the home-buying process with confidence. She understands the unique charm of Eaton and will work tirelessly to match you with the perfect property.

Contact Katie Masters Today

Don’t let outdated myths keep you from achieving your homeownership goals. Reach out to Katie Masters to explore your options and start your journey to owning a home in Eaton, Ohio.

Discover the charm and affordability of Eaton with Katie Masters by your side. Let’s make your dream home a reality—contact Katie today!

With MVE by your side, you don’t have to navigate this process alone. Jonas and Katie want you to have as much information as possible, and we are here for you from start to finish. This is why we are collaborating with mortgage experts to help educate you.

SLR Experts

Streetlight Realty is located in Washington Twp, OH, and serves the entire Miami Valley. Whether you are looking to buy or sell real estate, we have experts who can assist you in the process. You can call Jonas Helbert at 937-626-4181 or Katie Masters at 937-901-8177 with any Real Estate questions. We are here to help!

By Katie Masters

My name is Katie Masters. I have been with Streetlight Realty since it's infancy in 2018. I'm an agent who truly loves my clients and I enjoy new friendship opportunities.

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