Think You Need 20% Down? The Truth About DPA & Smart Homebuying Strategies

In this episode of Keys with The House Lady, Estrella Carter sits down with a mortgage lender to unpack the truth about down payment assistance, and why it’s far more powerful than many buyers realize.

Together, they break down programs offered through the Minnesota Housing Finance Agency (MHFA), including who qualifies, how the programs work, and why the outdated stigma around DPA is holding buyers back.

If you’ve ever thought you needed 20% down, or worried that using assistance would weaken your offer—this conversation will shift your perspective.

This episode goes beyond the basics, highlighting real strategies, common misconceptions, and how today’s buyers are successfully leveraging DPA to secure homes in a competitive market.

Whether you’re just starting your home search or looking to move strategically, this is information every buyer should understand.