You probably do not need 20 percent.

The biggest myth in real estate keeps renters renting. This guide breaks down what different loan programs actually require, what assistance exists, and how to figure out your real number.

What loan programs actually require today
Down payment assistance most buyers never hear about
How to calculate the real number for your situation

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Down Payment Myths Debunked ebook cover from T. Kerr Property Group

What's Inside

A look inside the guide.

The 20 Percent Myth

Where the myth came from and why it stops qualified buyers from ever applying.

What Programs Actually Require

Conventional, FHA, VA, and USDA down payment requirements, side by side.

Down Payment Assistance

The programs that help qualified buyers bridge the gap, and how to find them.

PMI, Explained Honestly

What mortgage insurance costs, when it drops off, and when paying it beats waiting.

Your Real Number

A framework for calculating the down payment that fits your savings and goals.

Building Your Fund

Practical strategies for growing your down payment on a timeline.

Why You Need It

Why this guide matters.

Ask most renters why they have not bought, and the answer involves a 20 percent down payment they believe they need. For most buyers, that number is simply wrong.

Modern loan programs require far less: some as little as 3 to 3.5 percent down, and zero for qualifying veterans and certain rural areas. The myth costs people years of equity.

This guide replaces the myth with the actual requirements, the assistance programs that exist, and a way to calculate your real number, so the decision is based on facts.

The Benefits

What changes when you read it.

01.

Stop waiting on a myth

Learn what is actually required and discover you may be closer than you think.

02.

See every program side by side

Conventional, FHA, VA, and USDA requirements compared clearly.

03.

Find assistance you qualify for

Down payment help exists. Learn where to look and how to qualify.

04.

Make PMI a strategy, not a fear

Understand the real trade-off between paying PMI now and waiting years to avoid it.

Common Questions

Down Payment Myths Debunked FAQs.

Do I really need 20 percent down to buy a house?

No. Conventional loans can start around 3 percent down, FHA loans at 3.5 percent, and VA and USDA loans offer zero-down options for qualifying buyers. Twenty percent avoids mortgage insurance but is not a requirement.

Who is this guide for?

Anyone who wants clear, practical guidance. It is especially useful for buyers in Georgetown and Central Texas who want to make informed decisions with confidence.

Is there down payment assistance in Texas?

Yes. Texas offers down payment assistance programs for qualifying buyers, and some loan programs pair with local assistance. The guide explains how these work, and the T. Kerr Property Group team can connect you with lenders who know the Central Texas programs.

Does Down Payment Myths Debunked cost anything?

No. Down Payment Myths Debunked is completely free. Enter your name and email below and we will send it to you instantly.

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