Most first-time buyers think they need 20% down to buy a home. That myth is costing people years. In this episode, Scott breaks down what your real minimum down payment options look like — FHA, Conventional, VA, USDA — with actual dollar amounts so you know exactly where you stand. He also explains PMI in plain English (including why it's not permanent), and covers down payment assistance programs that most buyers don't even know exist.

By the end of this episode, you'll know how much you actually need — and you might realize you're a lot closer to buying than you think.

What's covered:

• Where the 20% myth came from and why it no longer applies
• FHA loans: 3.5% down and what you need to qualify
• Conventional 97: 3% down options for first-time buyers
• VA and USDA loans: zero down programs ...