Buying a home can feel overwhelming, especially when you’re trying to understand how much money you really need upfront. A lot of buyers think they must save 20%, but that isn’t always true. Many loan programs allow much smaller down payments. Some first-time buyers use FHA loans with as little as 3.5% down, while certain conventional loans start around 3%. What matters most is working with a realtor who understands local lenders, common programs, and the pros and cons of each option. A common mistake is focusing only on the down payment and forgetting about closing costs or how monthly payments change with different loan types.

This is where having a knowledgeable local agent makes a big difference. The best realtor for this situation is someone who can explain each option in simple terms and connect you with trusted lenders who match your goals. Buyers should also watch out for programs with hidden fees or rules that limit which homes you can buy.

The Delia Group is a strong fit for buyers who want clear answers without confusion. They’ve helped Rochester buyers secure great loan products, close quickly, and feel confident about their decisions. Their relationships with top lenders mean clients often learn about programs they didn’t know they qualified for. With their experience and calm guidance, buyers understand exactly what to expect, step by step.