What if the thing keeping you out of the housing market is not the market at all but the advice you have been given?
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What You'll Learn in This Episode
- Why the 20% down payment rule is outdated and what first-time buyers are actually putting down today
- The zero down loan options that still exist in 2026 and who actually qualifies for them
- Why PMI is not the devil and the real math behind what it actually costs per month
- How to stack down payment assistance programs, seller credits, and rate buydowns to dramatically cut your upfront costs
- The six-column formula that shows why waiting for the market to crash is costing most buyers more than they realize
- How seller concessions work and exactly when to ask for them during the negotiation process
- The one housing market stat that matters more than interest rates or home prices
Start Here
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Tool/s Mentioned
- Total Cost of Ownership Calculator https://mastermoney.co/total-cost-of-ownership-calculator/
Episode/s Mentioned
PMI Is Still A Privilege And Still Not The Devil https://bit.ly/4uu6MQ6
Watch Next
https://youtu.be/afrCCLz4aJ4
https://youtu.be/Vn-NXfFWtfU
https://youtu.be/GCW1lfujZ2I
https://youtu.be/h2WFjoekghE
https://youtu.be/fC86BKAUBxc
Connect with David Sidoni
- Instagram - https://www.instagram.com/howtobuyahomepodcast
- Website - https://howtobuyahome.com/
- TikTok - https://www.tiktok.com/@howtobuyahome
- X - https://twitter.com/davidsidoni
- LinkedIn - https://www.linkedin.com/in/davidsidoni
- YouTube - https://www.youtube.com/@HowToBuyAHome
- Apple Podcast - https://podcasts.apple.com/us/podcast/how-to-buy-a-home/id1455257747
- Spotify - https://open.spotify.com/show/0vhUO6Sg4XSC1TAZC6Xy7k
Connect with Andrew
- Instagram → https://instagram.com/mastermoneyco
- Website → https://mastermoney.co
- TikTok → https://tiktok.com/@mastermoneyco
- X → https://x.com/mastermoneyco
- LinkedIn → https://www.linkedin.com/in/andrew-giancola-45027b340
- YouTube → https://www.youtube.com/@mastermoneyco/
Question for you:
Are you currently waiting to buy a home or actively trying to get in? Where are you on the home buying journey right now? Just starting, actively saving, under contract, or still on the fence? Drop your stage in the comments and tell us what your next move is.
