ava.muse
Region: US
Monday 08 December 2025 21:30:48 GMT
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Kirsten :
There are often options for first time home buyers with less than 20% down no PMI. No PMI is important. If that’s not possible you are better off waiting til you can put 20% down. I know it’s hard, but trust. Signed, a 2 time home buyer
2026-01-12 01:04:41
11
Christian Martinez :
You can’t sell the house with first time homebuyers program. 5% is good for a first time home buyer but if you have 20% then go for it
2026-01-08 22:10:36
4
her_system :
A good agent would’ve told you all this from day one. First-time homebuyers: find a good agent! They’ll help you avoid so many headaches 🥰🥰🥰
2025-12-08 21:47:32
230
Alex :
Hey did you and your partner have amazing credit when you started? We have the $7,000 but he has great credit and I don't really have any and have to build some. I never actually thought I'd ever be home buying
2026-03-06 02:36:30
0
angelinadibona :
Check out the neighborhood! Drive around during the day while neighbors are at work and then revisit again around dinner time/the evening to see the community, street parking, etc.
2025-12-27 15:09:39
10
UserDaGoat :
Can you cover selling costs? Them: no
2026-01-06 05:43:12
38
Anissa :
As a seller I’d cover your closing cost only if you buy at full listing price or close to it! I’m tired of getting offered 30k less than listed and asked to cover full closing cost, I would end up OWING money.
2026-01-04 20:41:45
17
Emily Greco :
Starting house hunting this week! Got married in October, super stressed out and we are so nervous. 24 and 26 😭
2026-01-05 21:32:12
9
readingunderwillows :
Bought my house at 22 last year and the one thing I regret is not checking with the electric company to research costs for previous years to get an idea!! (Same with water/garbage)
2026-03-07 00:00:52
5
baseballfreak05 :
In the market today there is not really any room for asking for anything.. people waive their inspections left and right you will lose on every house if you make a whole list is wants from the sellers
2025-12-09 15:41:04
92
Brian1911_21 :
VA loan 🫡
2026-01-02 20:30:35
2
sydneykearns3 :
You can also roll your closing cost in your loan!
2026-01-05 14:39:33
7
Alexis :
I live in Ok, if you live or are looking for a place in a rural area try to get qualified for a USDA loan they require 0% down!
2026-01-05 19:45:49
7
Tara McMann :
Yep definitely learned all this a a first time homeowner/homebuyer with my husband! Bought our first home this month and got married in September of this year! 🥰
2025-12-25 19:02:49
5
Bryant🇺🇸 :
3.5% not 2
2026-01-27 11:21:33
1
frothybadger :
Fun fact those programs are income based, so if you make too much the government won’t help you at all regardless of any reason. My wife and I make 5k more than the cap for down payment programs in our area so we can’t get any help while rent keeps going up
2026-01-05 06:30:56
18
Ryan :
Have you done the math to see how much not putting 20% down will cost you in interest
2026-01-08 05:03:00
7
roidedrager2 :
You’re right you don’t need 20% but I would say at least 10 to 15 is a good median. But obviously if you do have the 20% you wouldn’t have to pay PMI.
2026-01-06 12:15:23
9
FireLogs🔥 :
Don’t buy in a flood zone 😂 found this out the hard way at the ripe age of 22
2026-01-08 23:57:33
5
awidevarietyofedits :
Finance for 30 years don’t try to be cool and get 15 years for a slightly lower interest rate. Protect your liquidity. There’s value in a house someone’s already lived in for a few years as they have often discovered and worked out the kinks for you. Don’t rush to own a home it’s a liability, shit breaks. It’s expensive to fix an AC
2026-01-22 16:41:17
2
haleyfinley22 :
Yes! We bought our house just after we turned 23 and with an FHA loan our down payment was $12,000 for our house. We settled for half closing and got it almost 20,000 under what they were asking!
2026-01-10 18:45:45
3
Courtney Griffith :
Me and my husband bought our house when I was 22. Down payment was 7k and they covered closing costs. We’ve been in for 3 years and have about 30-40k in equity.
2026-01-29 07:16:52
2
stellaaa🤪 :
Thank you! 🫶🏻
2026-01-14 04:00:20
1
Mark The Gentleman Broker :
These are great ty
2026-01-07 21:15:57
1
Christine 🌺 :
Thank you!!
2026-02-20 01:02:33
0
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