Published February 6, 2026

Can I buy a home with less than 20% down?

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Written by Larissa Butler

Can I buy a home with less than 20% down? header image.
Yes! And buying only when you get to 20% is one of the biggest things that stops a lot of people from getting started.

1. Twenty Percent Is Not Required

Many buyers purchase homes with much less than 20 percent down. That rule of thumb is outdated for most situations. In fact I find most buyers are in the 5% range, with several first time buyers and VA buyers having 0 down.

2. Loan Programs Allow Flexibility

FHA, VA, and some conventional loans offer lower down payment options. These programs are commonly used throughout King and Pierce County.

3. Monthly Payment Matters More

Down payment is just one part of affordability. Monthly comfort and long-term flexibility matter more.

4. Waiting Can Cost Opportunity

Waiting years to save 20 percent can mean missing the right home or market window.

5. The Right Strategy Is Personal

Your best option depends on your goals, timeline, and financial comfort.
You don’t need to wait forever to buy. You need a smart plan. If you’re planning a move or just exploring options, contact me.

Categories

Community, Homebuyers, Homeowners, Sellers

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Larissa Butler Realty, Future growth areas, Community development, Lake Tapps real estate agent, Real estate investment, Maple Valley WA real estate, Bonney Lake WA homes for sale, South King County homes for sale, Family-friendly neighborhoods in, Local real estate trends, Real estate photography tips, Unique home features buyers love, Affordable homes Washington, Home buying tips, Washington home selling tips, South King County real estate, Up-and-coming neighborhoods, Pierce County real estate, Enumclaw WA homes, PNW real estate marketing, Neighborhood appreciation, Pierce County real estate expert, How to sell your home fast, Alternative financing
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Larissa Butler

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