# How much down payment do I need to buy a home?

By Christie Latham (@christielatham) · Published 2026-07-14

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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%](https://www.realtor.com/research/down-payment-report-may-2026) 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.

## What are the standard 2026 loan programs? 1. Conventional Loans (3% to 5% Down)  
2\. FHA Loans (3.5% Down)  
3\. VA Loans (0% Down)  
4\. USDA Loans (0% Down)