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How Much Do You Really Need for a Down Payment? | Mortgage Down Payment Explained One of the biggest myths in real estate is that you need 20% down to buy a home. In this video, I break down how much down payment you actually need, how different loan programs work, and how your down payment affects approval, monthly payment, and long-term costs. If you’re a first-time home buyer, move-up buyer, or real estate investor, understanding down payment options before you start shopping can dramatically change what’s possible. In this video, you’ll learn: Minimum down payment requirements by loan type FHA vs. Conventional vs. VA vs. investment property down payments How down payment size impacts rates and monthly payments Common mistakes buyers make when planning cash to close How to buy sooner than you think Ready to buy a home or investment property? The fastest way to get real numbers—and avoid guesswork—is a fully reviewed mortgage preapproval. Get preapproved for a home loan today Request a free mortgage preapproval and personal financial assessment A strong preapproval helps you: Know exactly how much home you can afford Identify the best down payment strategy Strengthen your offer with sellers Move quickly when the right property appears Click the link below to apply for mortgage preapproval now Questions about down payment options or loan programs? Reach out directly—I’m happy to help you build a smart buying strategy. how much down payment do I need, mortgage down payment, first time home buyer down payment, FHA down payment, conventional loan down payment, mortgage preapproval, home loan approval, investment property down payment #MortgagePreapproval #DownPayment #HomeBuyingTips #FirstTimeHomeBuyer #MortgageLender #RealEstateEducation #InvestmentProperty