Your real readiness score.
What 'tight' looks like.

Less than most people think — the "20% down" rule is a myth for many buyers. FHA loans can go as low as 3.5% down, some conventional programs allow 3%, and VA and USDA loans can require nothing down for those who qualify. The trade-off is that putting less down usually means mortgage insurance and a higher monthly payment, so the right number depends on your full picture. Our affordability calculator and program matcher show you the real options for your situation — not a one-size-fits-all figure.

Sometimes renting is the smarter financial move, and we'll tell you that honestly rather than push you toward a purchase. Buying makes the most sense when you plan to stay put for several years (so you can absorb closing costs and let equity build), when your income is stable, and when a realistic payment fits comfortably — not tightly — in your budget. We model the rent-vs-buy math for your actual numbers and timeline, including the costs people forget like maintenance, taxes, and insurance, so you can decide with clear eyes. This is education, not a recommendation to buy or a mortgage offer.