Are you a first time home buyer? If so, ask your lender about what special loan programs you might qualify for. Most every lender will have a loan product for first time home buyers, or buyers that fall under a certain income level. These income levels are pretty reasonable and worth looking into even if you think you might not qualify – you’d be surprised. One particular program I know about works like this: If you are a family of 1-2 people making less than $57,000, and you are a first time home buyer, you can qualify for a loan that gives you 3% cash assistance to help with your downpayment! They will just give you the cash! Other programs do things like give you low interest rates, and/or don’t require downpayments or only minimal downpayments. So, it’s definitely worth looking into!