Should You Put 3%, 5%, 10%, or 20% Down? A Clear Breakdown

Think you need 20% down to buy a home? That’s the biggest myth I’ve seen in 30 years.
Waiting to save 20% might feel “responsible” — but in today’s market, it can quietly cost you far more than it saves.

I’m Ella Gurfinkel, Senior Loan Officer with decades of experience, and in this episode I break down the real math behind down payments, PMI, and why acting earlier often builds more wealth than waiting until you feel “ready.”

💡 You’ll learn:

• 🏠 How buyers purchase homes with 3%, 5%, or even 0% down
• 💸 Why PMI isn’t the financial disaster people think it is
• 📈 Real-life examples of buyers who built wealth by buying sooner
• ⏳ The hidden cost of waiting while home prices and rents rise
• ⚖️ When putting 20% down does make sense — and when it doesn’t

📉 Home prices keep rising.
 💸 Rent money is gone forever.
 The real risk isn’t buying too early — it’s waiting too long without a plan.

 📅 Book a free consultation: https://www.calendly.com/teamella