Buying With 5% Down - What You Gain (And What You Give Up)

You’ve got two choices:

Save for years to hit 20% down or buy with 5% down and get in the market now.

Both come with baggage. One delays your wealth, the other costs more to build it.

If you're staring down today’s home prices thinking, “I’ll never save enough,” you’re not alone. Before you jump into a 5% down mortgage, understand this: getting in early isn’t free, it just feels like it.

Let’s break down exactly how low-down payment mortgages work, where they help, and where they bite you.

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