Real Estate Cait
Region: US
Wednesday 08 July 2026 23:05:06 GMT
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mack_ward :
Yall, don’t listen to anyone encouraging you to put 3-5% down. If your house goes down in value at all you will have negative equity and have to PAY to sell your home
2026-07-10 11:59:40
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californiafarmacy :
Agents that tell their clients they don’t need 20% down are money hungry. Do better.
2026-07-09 14:34:18
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blondieee :
While yes you CAN buy a house with an FHA at 3.5 - 5% doesn’t mean you SHOULD. There’s no shame in renting until you can afford a home, comfortably :)
2026-07-09 14:05:17
17
Tori | East Coast Photographer :
Our PMI is $80 a month, even if it took us 20 years to get 20% equity (it won’t) that would only be an extra $20k to save us $50k at the closing table that we can be using right away for home improvements, investments, emergency fund, etc. It probably would’ve taken 2-3 more years to save 20% down, so if we have to “pay” $2-3k in PMI to start building equity NOW, that’s worth it. Time in homeownership is everything
2026-07-10 16:40:25
2
Shan Michael :
This isn’t general advice though. A $600-700k home will be over $300 a month PMI. That extra $300 a month applied to principal would cut out several years. If you’re not investing the money strategically, it’s wasted money unfortunately $11k in the trash in just 3 years
2026-07-10 17:26:08
5
User0456123 :
I would advise the buyer to save enough of a down payment to where they can comfortably afford the mortgage, not just to “get them into a house”
2026-07-11 02:13:47
2
Brooke :
In a competitive market they will laugh you out with under 20% down most liquidity or all cash usually wins in multi offer situation
2026-07-10 13:15:29
0
Mario M. :
can I just pay the minimum at the start and then after buying putting the 20% after closing?
2026-07-24 14:00:43
0
Ryan Hood :
Need and what’s financially responsible is two different things. Your advise is based on what’s best for you to make commission not what is best for the buyer.
2026-08-01 16:55:15
0
Allison :
Mortgage insurance lost me sooooo much money in the past. This time I saved 20% to put down
2026-07-10 14:25:39
2
Jake Sedlock :
Besides the PMI you are also paying interest on that 20% you didn’t put down. This will cost you a ton of money over time.
2026-07-10 20:19:58
5
Amber Francis :
These comments are weird. 3% down is pretty normal. Doesn’t really change your monthly payment that much. You’re still coming to closing with tens of thousands of dollars. You’ll pay pmi but only for a portion of the loan.
2026-07-10 15:06:52
1
padtmcyv :
You can never get rid of PMI with the FHA. Terrible advice
2026-07-27 12:21:37
1
OrangeTiger1995 :
“Much less expensive to buy a house right now” translation = you will have more debt to deal with later down the road and likely have some regret, especially if you are starting a new 30-year mortgage at any age over 40
2026-07-11 12:42:22
1
3698 :
You need more than 20% down to get the monthly costs to an affordable amount.
2026-07-27 12:55:09
0
laura macias :
I’m buying a house that’s 168,000 and we have to put at least 3 % which is 6k and our closing cost is 9kishhhh 😭😭😭 we are doing an fha loan as well…..
2026-07-09 05:28:04
1
Sara Lynn ☦️ :
It's ok to WANT to put 20% down. Especially if lower monthly payments and lower interest is your goal
2026-07-09 14:02:40
6
Renée :
A real estate agent is not a financial advisor she’s just doing her job and letting the potential buyer know her options
2026-08-06 13:46:39
1
Josh Chang :
$300,000 at 20% and a 6.5% rate will get you a mortgage of around $2000, $300,000 at 3% will be $2600. All depends on if they can make that higher mortgage amount still
2026-07-24 14:17:09
4
lifeisgreat241 :
If you don’t have the willpower to save 20% you probably cannot afford that mortgage long term.
2026-07-19 12:27:18
0
Prentice Walker :
Or buy a foreclosure and you have equity walking in. Buy a short sell. Plan on staying in the house longer than 2 3 years. Homes sitting for a minute you have some wiggle room. Go get that house
2026-08-07 12:15:38
1
mfinmatt :
fha is 3. plus you can get cash back. but the 20 percent will get rid of pmi. cause that sucks paying
2026-07-10 15:11:47
1
LAUREN ✈️ :
This is horrible advice & predatory. The amount of extra interest you’re going to pay is going to be insane. Not to mention PMI. But I’m sure you didn’t explain the pros AND cons. 20% down + putting the extra $ that would go towards a higher mortgage & PMI will shave YEARS off your loan & THOUSANDS off interest btw
2026-07-22 15:58:31
2
Andrew :
you can avoid private mortgage insurance if you put 20% down.
2026-07-26 22:25:09
1
MightyMike1970🇮🇹 :
Heeeeeellll to the noooooo
2026-07-10 05:22:43
1
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