I was hesitant to post on a topic I considered fully vetted in the media but after reading the following article I found that misconceptions still abound.  Depending on your situation the smart play for a down payment could be as low as 5% on conventional financing and zero if you are a veteran.  FHA also has lower minimum down payments but punitive mortgage insurance requirements.  I have deep knowledge and experience in the mortgage industry so when you are thinking about buying, even if it’s a bit in the future, give me a call and we’ll go over the best financing and down payment options available for you.