{"id":3952,"date":"2026-07-10T15:40:46","date_gmt":"2026-07-10T15:40:46","guid":{"rendered":"https:\/\/dimerorealtygroup.com\/?p=3952"},"modified":"2026-07-10T15:40:47","modified_gmt":"2026-07-10T15:40:47","slug":"down-payments-are-smaller-than-theyve-been-since-2021","status":"publish","type":"post","link":"https:\/\/dimerorealtygroup.com\/es\/down-payments-are-smaller-than-theyve-been-since-2021\/","title":{"rendered":"Down Payments Are Smaller Than They\u2019ve Been Since 2021"},"content":{"rendered":"<p class=\"wp-block-paragraph\">Saving for a down payment can feel like the hardest part of buying a home. And with&nbsp;<a target=\"_blank\" rel=\"noreferrer noopener\" href=\"https:\/\/www.keepingcurrentmatters.com\/2026\/05\/27\/the-truth-about-affordability-today\">affordability<\/a>&nbsp;as tight as it\u2019s been lately, it\u2019s fair to wonder how anyone manages it right now. Here\u2019s something you may not have seen coming.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Some people are getting their foot in the door with a smaller down payment.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><a target=\"_blank\" rel=\"noreferrer noopener\" href=\"https:\/\/www.realtor.com\/research\/down-payment-report-may-2026\">According<\/a>&nbsp;to&nbsp;<em>Realtor.<\/em>com, the typical buyer put down about $23,400 in early 2026 \u2013 that&#8217;s around $5,000 below what was typical the year before (a 19% drop year over year).&nbsp;<strong>That\u2019s<\/strong>&nbsp;<strong>the lowest down payments have been since 2021&nbsp;<\/strong><em>(see graph below):<\/em><\/p>\n\n\n\n<figure class=\"wp-block-image\"><img decoding=\"async\" src=\"https:\/\/files.keepingcurrentmatters.com\/KeepingCurrentMatters\/content\/images\/20260630\/20260702-Down-Payments-original.png\" alt=\"a graph of a line graph\"\/><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">So why are buyers putting less money down, and how can you put less down, too? Here\u2019s your answer.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\"><strong>Why Down Payments Are Getting Smaller<\/strong><\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">There are a few things driving the trend:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Less competition between buyers.\u00a0<\/strong>Part of it comes down to a more\u00a0<a href=\"https:\/\/www.keepingcurrentmatters.com\/2026\/06\/18\/is-it-still-a-sellers-market-heres-what-the-data-says\/\" target=\"_blank\" rel=\"noreferrer noopener\">balanced market<\/a>. With buyers facing less competition than they did a few years ago, there\u2019s less pressure to put a big sum down just to stand out.<\/li>\n\n\n\n<li><strong>More moderate home prices.<\/strong>\u00a0Your down payment is a percentage of the purchase price. So, as price growth cools, the amount you need to put down may change too. In a lot of markets, prices have\u00a0<a href=\"https:\/\/www.keepingcurrentmatters.com\/2026\/06\/29\/the-1-factor-that-explains-everything-happening-with-home-prices-right-now\/\" target=\"_blank\" rel=\"noreferrer noopener\">slowed<\/a>\u00a0or leveled off, and some areas are even seeing slight dips. That can translate into smaller down payments.<\/li>\n\n\n\n<li><strong>Buyers opting for loans with lower down payments.<\/strong>\u00a0More buyers are also turning to government-backed loans, like FHA and VA, which often need little or no money down. FHA loans have made up more than 24% of purchase mortgages for five straight quarters, and VA loans recently hit their highest share in over a decade, according to\u00a0<em>Mortgage Professional America<\/em>.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">But even a smaller down payment is still a significant chunk of cash, and saving it can be hard. So where does the rest come from? For many buyers, two things make the difference: programs built to help, and a hand from loved ones.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\"><strong>Help You May Not Know You Qualify For<\/strong><\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">Down payment assistance is one of the most overlooked tools out there. Looking at the 10 largest U.S. metros,&nbsp;<em>Urban Institute&nbsp;<\/em>and&nbsp;<em>Down Payment Resource<\/em>&nbsp;<a target=\"_blank\" rel=\"noreferrer noopener\" href=\"https:\/\/downpaymentresource.com\/professional-resource\/what-data-actually-reveal-on-dpa-loan-quality\/\">found<\/a>&nbsp;<strong>nearly 44% of recent buyers already qualified for a down payment program, but many of them closed on their loan without tapping the help<\/strong>&nbsp;<em>(see chart below)<\/em>:<\/p>\n\n\n\n<figure class=\"wp-block-image\"><img decoding=\"async\" src=\"https:\/\/files.keepingcurrentmatters.com\/KeepingCurrentMatters\/content\/images\/20260630\/20260702-Many-Buyers-Qualify-original.png\" alt=\"a diagram of a payment\"\/><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">The options are broader than you might assume, too.&nbsp;<a target=\"_blank\" rel=\"noreferrer noopener\" href=\"https:\/\/downpaymentresource.com\/professional-resource\/down-payment-assistance-continues-to-expand-in-q1-2026-reaching-2679-programs-nationwide\/\">According<\/a>&nbsp;to&nbsp;<em>Down Payment Resource<\/em>:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>There are more than\u00a0<a href=\"https:\/\/downpaymentresource.com\/professional-resource\/down-payment-assistance-continues-to-expand-in-q1-2026-reaching-2679-programs-nationwide\/\" target=\"_blank\" rel=\"noreferrer noopener\">2,600<\/a>\u00a0down payment assistance programs available<\/li>\n\n\n\n<li>More than half (62%) are designed to help first-time buyers<\/li>\n\n\n\n<li>38% have no first-time buyer requirement, so you may qualify even if you&#8217;ve owned before<\/li>\n\n\n\n<li>62% are open to buyers earning $100,000 or more<\/li>\n<\/ul>\n\n\n\n<h4 class=\"wp-block-heading\"><strong>A Boost from Loved Ones<\/strong><\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">For a growing number of buyers, help comes from closer to home. Research from&nbsp;<em>Veterans United&nbsp;<\/em>shows about 59% of parents have provided or plan to provide financial support to help their child buy a home.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">That support most often goes toward the down payment, followed by help qualifying for a mortgage and covering closing costs. Chris Birk, VP of Mortgage Insight at&nbsp;<em>Veterans United<\/em>, puts it this way:<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p class=\"wp-block-paragraph\"><em>\u201cFor many families, helping a child buy a home has become less of an optional gesture and more of a practical response to today\u2019s affordability challenges.\u201d<\/em><\/p>\n<\/blockquote>\n\n\n\n<p class=\"wp-block-paragraph\">If your loved ones are in a position to help, it can make a real difference in how soon you can buy.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Bottom Line<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Down payments are smaller than they\u2019ve been in years, and that opens the door for more buyers.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">And with added help from assistance programs and a little help from loved ones, you may have more ways forward than you realized. Connect with a trusted lender to talk through your options.<\/p>","protected":false},"excerpt":{"rendered":"<p>Saving for a down payment can feel like the hardest part of buying a home. And with&nbsp;affordability&nbsp;as tight as it\u2019s been lately, it\u2019s fair to wonder how anyone manages it right now. Here\u2019s something you may not have seen coming.&nbsp; Some people are getting their foot in the door with a smaller down payment. According&nbsp;to&nbsp;Realtor.com, [&hellip;]<\/p>\n","protected":false},"author":5,"featured_media":3953,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","ast-disable-related-posts":"","theme-transparent-header-meta":"default","adv-header-id-meta":"","stick-header-meta":"default","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"set","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"footnotes":""},"categories":[40,72,48],"tags":[],"class_list":["post-3952","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-buy","category-first-time-home-buyers","category-for-buyers"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.0 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Down Payments Are Smaller Than They\u2019ve Been Since 2021 - DiMero realty group<\/title>\n<meta name=\"description\" content=\"Saving for a down payment can feel like the hardest part of buying a home. 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