10/23/2026
🚨 ZERO down doesn't mean ZERO dollars!
One of the biggest misconceptions I hear from homebuyers is that a 0% down payment loan means they don't need any money saved to buy a house.
Unfortunately, that's not quite how it works. 😅
Even with a VA or USDA loan, there are still expenses to prepare for:
💰 Closing costs
🏡 Home inspections
📋 Appraisal fees
🤝 Earnest money deposits
Now, here's the good news! Some of these expenses can be negotiated, covered by seller concessions, or credited back to you at closing. And not every expense applies to every transaction.
But the bottom line is this: You should still have some money saved before buying a home, even with a zero-down loan.
Not sure how much you actually need? Send me a message! I'd be happy to help you figure out a realistic budget and what options are available to you.