In the 2026 housing market, you can purchase a home with as little as 0% to 3.5% down depending on the loan program you choose. While the "20% down" rule is a common myth, the typical down payment fell to 12.8% in early 2026 as more buyers prioritized preserving their liquid savings.
As a Loan Officer, I frequently help buyers navigate these requirements to find the right balance between monthly payments and upfront costs. Here are the primary loan programs that may apply to you.