Think you need 20% down to buy a home? That’s one of the biggest myths holding buyers back right now—and it’s simply not true anymore. Today’s market actually rewards buyers who understand how to leverage smart lending options, not just big down payments.
I work closely with top-tier lenders who offer programs with as little as 3–5% down, down payment assistance options and flexible approval guidelines for buyers who qualify. I work in credits too that also help. And here’s the important part: these programs don’t automatically mean weaker offers or bad terms when they’re structured correctly. When the numbers are aligned and the strategy is solid, buyers can compete confidently without draining their savings.
What most people don’t realize is that holding onto cash can actually be a strength. It gives you flexibility for inspections, repairs, reserves, or future opportunities. Putting every dollar into a down payment isn’t always the smartest move—especially when lending programs are designed to help you get in sooner while protecting your financial comfort zone.
The key is knowing which options fit your situation, how they affect your monthly payment, and how to position your offer so sellers still take you seriously. That’s where the guidance matters.
If you want to understand what you actually qualify for, what your real buying power looks like, and which programs make the most sense for you, text me OPTIONS. I’ll connect you with trusted lending pros and break down everything so you can move forward with clarity and confidence.
I’m Tanja Odzak, Realtor with eXp Realty. I help people sell and buy homes right here in the East Bay! With over $90 Million in homes sold and a decade of experience, I know how to help you win in any market. Call me today and let’s get you going!
I’m a Top Producing Realtor® in the OAKLAND / BERKELEY / EAST BAY AREA. I’ve been in the San Francisco East Bay Area since I came up to do my undergrad at UC Berkeley (a long time ago!), with a short stint at UC Davis while getting my Master’s. I take my duties as a Realtor® and Fiduciary very seriously, I enjoy educating my sellers and buyers along the way. Putting People, Before Profit.
Why not check out one of my no-obligation, online, On-Demand, virtual Real Estate Seminars?
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